ALBERT    n     MOWBRAY.  F.  A.  S. 

CONSULTING    ACTUARY 

ei*  CItOC.vER  BLCS..   SAN  FRANCISCO,  CAU 

r»HON^  SUTTER     r  3BS 

f'i/ii/f 


THE  LIBRARY 

OF 

THE  UNIVERSITY 

OF  CALIFORNIA 

IN  MEMORY  OF 
PROFESSOR  ALBERT  H.  MOWBRAY 

1 88 1— 1949 


COMPARATIVE  RESERVE  TABLES. 


SECOND    EDITION. 
REVISED    AND    ENLARGED. 


MILES    M.    DAWSON, 

Consulting    Actuary. 

Fellow    American    Society    of   Actuaries,    Institute    of   Actuaries,    etc.,    etc. 

Author    of    "Practical    Lessons    in    Actuarial    Science,"    "Various 

Derived  Tables,"  "Business  of  Life  Insurance,"  "Elements 

of   Life   Insurance,"   etc.,   etc. 


THE   CIIROXICLE   CO.   (Ltd.L 

NEW   YORK. 

1908. 


GIFT 


COPYRIGHTED,  1905  AND  1908, 

BY 

MTL,ES  M.  DAWSON. 


TABLE    OF    CONTENTS. 


IXTRODUCTION     '^ 

I'irst    Voar    Margins    by    Various    Standards xvi 

Mortality   Rates   by  Various   Standards— Ultimate xxiii 

Moriality   Rates   by  Various   Standards — Select xxv 

SELFXT    AND    ULTIMATE— AMERICAN    EXPERIEX'CE. 

Introduction 5 

3   per   cent.    Net    Single    Premiums.    Life 9 

Immediate    Life    Annuities.    Due 'O 

Terminal   Reserves: 

Ordinary     Life ' ' 

Twenty   Payment  Life ^2 

Fifteen   Payment    Life L^ 

Ten    Payment    Life M 

Twenty    Year    Endowment '5 

Fifteen    Year    Endowment i6 

Ten    Year    Endowment '7 

Mean    Reserves: 

Ordinary     Life '" 

Twenty  Payment  Life    '9 

Fifteen   Payment    Life -O 

Ten   Payment   Life 21 

Twenty    Year    Endowment 22 

Fifteen   Year   Endowment 23 

Ten    Year    Endowment 24 

d<y2   per  cent.   Net  Single  Premiums,   Life 27 

Immediate    Life    Annuities,    Due 28 

Terminal  Reserves: 

Ordinary     Life 29 

Twenty    Payment    Life 3° 

Fifteen   Payment   Life v3' 

Ten   Payment    Life 2>2 

Twenty    Year    Endowment ?>?, 

Fifteen    Year    Endowment 34 

Ten    Year    Endowment 33 

Mean   Reserves: 

Ordinary     Life 36 

Twenty    Payment    Life . .  . 37 

Fifteen    Payment    Life .V*^ 

Ten    Payment    Life 39 

Twenty    Year    Endowment 40 

Fifteen    Year    Endowment 41 

Ten   Year   Endowmient 42 

iii 


iM680953 


iv  TABT.E  OF  CONTENTS. 

MODIFIED   PRELIMINARY   TERM,   AMl-RICAN   EXPERIENCE. 

Introduction 43 

3  per  cent.  Terminal  Reserves: 

Life,  Paid-up  in  20  Years 49 

Life,  Paid-up  in   15   Years 53 

Life,  Paid-up  in   10  Years 56 

Endowment  in   20  Years 58 

Endowment   in    1 5   Years 62 

Endowment   in    to   Years 65 


Mean    Reserves: 

Life,  Paid-up  in  20  Years 67 

Life,   Paid-up   in    15   Years 71 

Life,  Paid-up  in   10  Years 74 

Endowment   in   20  Years 76 

Endowment   in    15   Years 80 

Endowment   in    10   Years 83 


3J/^   per  cent.  Terminal   Reserves: 

Life,  Paid-up  in  20  Years 87 

Life,  Paid-up  in   15  Years 91 

Life,  Paid-up  in   10  Years 94 

Endowment  in  20  Years 96 

Endowment  in   15   Years 100 

Endowment  in    10  Years 103 


Mean  Reserves: 

Life,  Paid-up  in  20  Years 105 

Life,  Paid-up  in   15  Years 109 

Life,   Paid-up   in    10   Years , 112 

Endowment   in   20   Years 114 

Endowment   in    15   Years 118 

Endowment   in    10   Years 121 


MODIFIED   PRELIMINARY   TERM,    ACTUARIES'   4    PER   CENT. 
Terminal  Reserves: 

Life,  Paid-up  in  20  Years 125 

Life,  Paid-up  in   15   Years 129 

Life,  Paid-up  in    10  Years 132 

Endowment,  Maturing  in  20  Years 134 

Endowment,   Maturing  in   15  Years 138 

Endowment,   Maturing  in    10   Years 141 


Mean  Reserves: 

Life,   Paid-up   in   20  Years 143 

Life,   Paid-up   in    15   Years 147 

Life,   Paid-up   in    10   Years 150 

Endowment,  Maturing  in  20  Years 152 

Endowment,  Maturing  in   15  Years 156 

Endowment,   Maturing  in   10  Years 159 


TABLE  OF  CONTENTS.  v 

SELECT  AND  ULTIMATE— AMERICAN   EXPERIENCE  4  TER  CENT. 

Net    Single    Premiums,    Life 163 

linmediate    Life    Annuities,    Due 164 

Terminal    Reserves: 

Ordinary    Life 165 

Twenty    Payment    Life 166 

Fifteen     Payment    Life 167 

Ten     Payment    Life 168 

Twenty    Year    Endowment 169 

Fifteen    Year    Endowment 170 

Ten    Year    Endowment 171 

]\Iean  Reserves: 

Ordinary     Life 172 

Twenty    Payment    Life 173 

Fifteen   Payment   Life 174 

Ten   Payment  Life..... 175 

Twenty    Year    Endowment 176 

Fifteen    Year    Endowment 177 

Ten    Year   Endowment 178 

COMMITTEE   OF   FIFTEEN   STANDARD   ^V,    PER   CENT. 

Introduction     179 

Terminal    Reserves: 

Life,  Paid-up  in  20  Years 181 

Mean   Reserves: 

Life,  Paid-up  in  20  Years 185 

ILLINOIS   STANDARD   3K'    PER    CENT. 

Introduction     189 

Terminal   Reserves: 

Life,   Paid-up  in    15   Years 191 

Life,  Paid-up  in    10  Years 194 

Endowment,   Maturing  in   20  Years 196 

Endowment,  Maturing  in   15  Years 200 

Endowment,   Maturing  in    to  Years 203 

Mean   Reserves: 

Life,  Paid-up  in   15  Years 205 

Life,  Paid-up  in   10  Years 208 

Endowment,   Maturing  in   20  Years 210 

Endowment,   Maturing  in    15   Years 214 


217 


I-'udowment,   Maturing  in    10  Years. 

MICHIGAN  AND  TENNESSEE  STANDARD  3>S   PER   CENT. 

Introduction 219 

Terminal   Reserves: 


Endowment,   Maturing   in   20  Years. 


2J 


Mean   Reserves: 

Endowment,    Maturing  in   20  Years 225 


vi  TABLE  OF  CONTENTS. 

NEW  JERSEY  STANDARD  z'A   PER  CENT. 


229 


[ntrotluction 

Terminal   Reserves: 

Ordinary    Life, ~>^' 

Twenty    Payment    Life -3-2 

l""ifteen    Payment    Life -33 

Ten   Payment    Life 234 

Twenty    Year    Endowment 235 

Fifteen    Year   Endowment 236 

Ten    Year    Endowment '. -2>7 

Mean   Reserves: 

Ordinary    Life 238 

Twenty    Payment    Life 239 

I'^iftecn   Payment   Life 240 

Ten    Payment    Life 241 

Twenty    Year    Endowment 242 

Fifteen   Year   Endowment 243 

Ten    Year    Endowment 244 


CANADIAN   LIFE   OFFICERS'   STANDARD  3K'    PER  CENT. 

Introduction 245 

Terminal   Reserves: 

Ordinary    Life 247 

Twenty  Payment   Life 248 

Fifteen   Payment    Life 249 

Ten    Payment    Life 250 

Twenty    Year    Endowment 251 

Fifteen   Year   Endowment 252 

Ten    Year   Endowment 253 

Mean  Reserves: 

Ordinary     Life 254 

Twenty    Payment    Life 255 

Fifteen   Payment   Life 256 

Ten    Payment   Life 257 

Twenty    Year    Endowment 258 

Fifteen    Year   Endowment 259 

Ten    Year    Endowment 260 


WISCONSIN    MINIMUM   STANDARD   3'/>    PER   CENT. 

introduction 201 

Terminal   Reserves: 

Ordinary     Life 2(^.\ 

Life,   Paid-up   in   20   Years 264 

Life,   Paid-up   in    15   Years 265 

Life,   Paid-U])   in    10   Years 266 

I'jidnwnunt,   Maturing  in   20  Years 267 

i'.ndipwnuiit,   Maturing  in    15   Years 268 

I'jidowmenl,    Maturing  in    10   Years 269 


TABLE  OF  CONTENTS.  vii 

Mean   Reserves: 

Ordinary     Life j/o 

Life,  Paid-up  in  20  Years 271 

Life,   Paid-up  in    1 5   Years _'7J 

Life,  Paid-up  in   10  Years 2"/ 2, 

Endowment,   Maturing  in  20  Years 274 

Endowment,   Maturing  in    15   Years 275 

Endowment,   Maturing  in    10   'S'ears 276 

SELECT  AND   ULTL\L\TK   Oim   y/,    PER   CENT. 

Introduction 277 

Net    Ultimate    Premiums 279 

Net  Single   Premiums,    Life 280 

Immediate  Life  .\nnuities,  Due 282 

Terminal    Reserves: 

Ordinary     Life 2H4 

Twenty    Payment    Life 288 

Fifteen   Payment   Life 292 

Ten    Payment   Life 295 

Twenty    Year    Endowment 297 

Fifteen    Year    Endowment 301 

Ten    Year    Endowment 304 

Mean  Reserves: 

Ordinary     Life 306 

Twenty    Payment    Life 310 

Fifteen   Payment   Life 314 

Ten   Payment   Life 317 

Twenty    Year    Endowment 319 

Fifteen    Year    Endowment 323 

Ten    Year    Endowment 326 


INTRODUCTION  TO   SECOND   EDITION. 


These  tables  have  a  liistory   which   may   he   interesting. 

When,  in  1903,  my  short  paper,  introducing^  the  formula  for 
reserves  by  the  select  and  ultimate  method,  was  prepared  for  the 
Actuarial  Society  of  America,  it  was  i)bvious  that,  in  order  that  a 
practical  use  for  the  formula  might  be  indicated,  tables  were  requisite 
to  illustrate   its  application. 

Accordingly,  utilizing  certain  assumptions  as  to  mortality 
during  the  first  five  years,  known  to  represent  actual  experience  very 
conservatively  on  the  whole,  and  taking  the  American  Experience 
table  as  an  approximate  expression  for  ultimate  mortality,  tables  of 
values  and  margins  were  com])uted  on  the  American  Experience  Select 
and  Ultimate  basis,  with  interest  at  3  i)er  cent,  and  ^V^  P^r  cent, 
and  were  included  in  the  second  edition  of  '"Various  Derived  Tables," 
which  was  then  about  to  be  published. 

In  view  of  the  high  price  of  this  book  ($25  per  copy),  and  the 
fact  that  the  tables  were  not  demanded  for  immediate  use,  this  intro- 
duction was  not  deemed  sufficiently  popular;  and,  therefore,  the  same 
tables  were  comprised  in  a  new  volume,  entitled  "Comparative  Reserve 
Tables,"  which  also  contained  reserve  tables  by  the  "Alodified  Pre- 
liminary Term"  method,  the  origin  of  wdiich  is  hereinafter  narrated. 
Soon  afterward,  in  the  second  edition  of  "I'ractical  Lessons  in 
Actuarial  Science,"  the  formula  was  fully  described  and  the  "Ameri- 
can Experience  Select  and  I'ltiniate"  table  and  commutation  columns 
corresponding  to  it  were  printed. 

"Comparative  Reserve  Tables"  was  published  in  1905,  at  $5.00 
per  copy.  In  1906,  on  the  recommendation  of  the  ".Armstrong  Com- 
mittee," reserves  by  the  select  and  ultimate  method  and  the  .American 
Experience  table  and  3^/2  per  cent,  interest  became  the  minimum 
reserve  standard  for  New  York.  In  order  that  all  who  were  inter- 
ested should  be  able  to  obtain  these  reserves,  without  gixing  a  profit 
to  the  author  of  the  book,  who  was  the  actuary  of  the  Committee, 
the  price  was  for  a  year  reduced  to  Si,  actually  below  the  cost  of 


X  INTRODUCTION. 

printing  and  binding.     It  was  later  restored  to  $5.     This  edition  is 
now  exhausted. 

In  the  meantime,  several  occurrences  had  also  brought 
modified  preliminary  term  reserves  prominently  into  public  notice. 

These  tables  give  values  for  policies  on  the  basis  that  it  is 
proper  and  legitimate  to  use  the  first  premium  on  a  whole  life  policy 
for  the  payment  of  the  cost  of  insurance  and  the  expense  cost  for 
the  year;  but  that  out  of  the  excess  of  a  limited  payment  or  endow- 
ment insurance  premium  for  the  first  year,  over  the  corresponding 
whole  life  premium,  a  suitable  reserve  should  be  set  up.  This  was 
in  accordance  with  the  reservations  of  Dr.  Zillmer  of  Germany, 
Dr.  T.  B.  Sprague  of  Great  Britain  and  Emory  McClintock  in  their 
endorsements  of  "x-f  i"  valuation,  known  in  this  country  as  "pre- 
liminary term." 

The  modified  preliminary  term  method  of  computing  reserves 
was  introduced  by  me  in  1897,  in  which  year  it  was  adopted  by  two 
companies.  By  1906,  it  was  in  use  in  fifteen  companies.  It  was 
the  method  passed  upon  by  the  supreme  court  of  Vermont  in  the 
two  cases,  Bankers  Life  vs.  Commissioners;  and  is  the  only  pre- 
liminary term  method  which  has  been  sustained  in  the  courts.  It  is 
my  opinion  that  it  is  the  only  preliminary  term  method  wdiich  can 
be   sustained : 

First,  as  not  in  violation  of  the  anti-discrimination  statutes. 
All  other  i)rcliminary  term  methods  permit  men  of  the  same  age  to 
be  charged  dififerent  premiums  for  term  insurance  for  one  year — in 
some  cases  varying  from  as  low  as  $10  per  $1,000  to  as  high  as  $100. 

Second,  as  sound  when  tested  by  the  canons  of  actuarial  science 
and  finance.  All  other  methods  involve  the  application  of  a  part  or  all 
of  the  discounted  value  of  the  excess  of  instalments,  deposited  purely 
as  an  investment,  over  the  present  value  of  the  investment  returns 
guaranteed  thereby,  to  the  i)ayment  of  immediate  expenses  and  profits. 
Such  a  proceeding  is  not  ingenuous,  safe  or  honest.  To  admit  that  it 
is  proper  is  to  give  actuarial  support  to  rotten  financial  schemes, 
such  as  "investment  contracts."  "instalment  bonds,"  "Iowa  bonds" 
and  the  like. 

Both  on  the  grounds  of  their  illegality  and  fundamental  un- 
soundness, the  commissioners  of  insurance  should  forbid  such 
practices;  and  all  actuaries,  for  the  honor  of  their  profession,  should 
discountenance  them.     At  the  same  time,  it  is  to  be  remembered: 

I''irst,  that  a  company  may  be  sound  and  may  even  be 
economically,  honestly  and  i)rudently  managed,  even  tlKMigh  reserv- 
ing on  one  of  the  bases  wiiicli  docs  n.)t  ,s(|nare  with  soimd  principles. 
These  methods  open  the  d(»or  to  abuses;  they  do  not  assure  that 
there    will    be    abuses. 


INTRODUCTION.  xi 

Second,  that  many  honest  managers  have  not  apprehended 
the  fact  that  these  variations  are  fundamentally  wrong,  and  are 
not    at    fault    in    a    moral    sense. 

Returning  to  the  two  reserve  methods,  the  select  and  ultimate 
and  the  modified  preliminary  term,  tlicir  respective  claims  for  prefer- 
ence   may    be    stated    as    follows: 

The  "select  and  ultimate"  method  charges  the  correct  liability 
on  the  basis  that  net  premiums  are  by  a  safe  "ultimate"  table  and 
that  the  mortality  is  as  it  really  is.  by  a  select  table.  When  thus 
applied,  it  sets  free  to  cover  the  cost  of  new  business,  a  sum  pre- 
cisely equal  to  the  value  to  the  going  company  of  the  new  business 
by  reason  of  the  fresh  medical  selection. 

The  modified  preliminary  term  method  measures  the  liability 
on  the  basis  that,  in  practice,  if  the  new  business  is  to  be  self-sustain- 
ing, its  cost  must  not  exceed  the  excess  of  the  first  year's  premiums 
over  the  first  year's  death-claims  :  that,  as  to  life  policies,  the  cost  of 
new  business  may  go  to  this  limit;  but  that,  as  to  policies  with  larger 
premiums  paid  to  prepay  premiums  that  would  not  be  due  for  years  or 
to  be  added  to  the  accumulation  in  order  to  mature  the  policies  as  en- 
dowments, a  proper  reserve  must  be  set  up  from  the  excess  from  the 
outset. 

Both  of  these  princii)les  are  sound.  The  latter  has  the  more 
universal  application  ;  it  would  clearly  be  the  only  princijde  applicable, 
were  there  no  gains  from  fresh  selection.  Tt  remains  to  be  considered, 
which  is  best  under  the  conditions  actually  ruling  in  the  I'nited 
States. 

These  conditions  are  as  follows : 

1.  Premiums  are  in  fact  calculated  by  adding  a  level  loading 
to  a  net  level  premium,  computed  by  a  table  which  approximately 
represents  ultimate  mortality.  The  preliminary  term  companies 
merely  copy  these  premiums  more  or  less  exactly. 

2.  This  means  that  the  value  of  new-  business  and  the  con- 
cealed provision  for  paying  for  the  same,  is  the  expense  loading  on 
the  first  premium  plus  the  present  value  of  the  "select  and  ultimate" 
mortality  margins.  This  is  shown  by  equating  the  premium  with  a 
formula  for  loading  to  cover  initial  expenses,  as  follows: 


I       afxi  )  V  ax  / 


In  this,  F  =  provision  for  cost  of  new  business;  [xj  signifies  by 
a  select  table,  representing  actual  mortality  and  x  by  the  ultimate 
section  of  this  table.      Equating,  we  have : 


INTRODUCTION. 

0 


(      a[x]  )  \ax  / 

I    afxj  +  (ax  — a[x]  )  ) 

AW+    (-^Ax-Aw) 


+  cV    (1+k) 


F  = 


a[x] 
ax 


a?-  ^-^ 


3.  Preliminary  term  or  "x  +  i"  valuation  has  found  lodg- 
ment in  this  country,  only  by  means  of  making  the  insurance  "term 
for  one  year,"  by  contract.  It  is,  therefore,  not  suitable  for  general 
application  as  a  minimum  standard.  Yet,  if  not  generally  applied, 
one  company  might  be  closed  up  while  in  possession  of  resources 
much  in  excess  of  what  would  cover  its  liabilities  by  the  minimum 
standard,  while  another,  with  like  policy  obligations  in  reality,  is 
permitted  to  go  on,  with  a  triumphant  certificate  of  solvency  from 
the  State,  because  calling  its  policies  "preliminary  term." 

4.  Select  and  ultimate  does  not  lend  itself  to  variations  of 
different  degrees  of  unsoundness.  Once  named,  it  is  a  fixed  method, 
the  results  varying  only  as  one  table  or  another  or  one  rate  of  in- 
terest or  another  is  employed.  The  second  edition  of  this  book  is, 
on  the  contrary,  called  for  by  the  great  variety  of  further  modifica- 
tions of  modified  preliminary  term,  which  have  already  been  intro- 
duced or  are  now  pending — all  of  which  are  artificial  and  arbitrary 
and  most  of  which  are  unsound. 

These  variations  may  be  divided  into  two  classes : 

1.  Compromises  with  the  "full  preliminary  term"  method — i.e. 
a  method  permitting  the  whole  first  year's  premium,  regardless  of 
plan,  to  be  applied  to  pay  that  year's  costs  of  mortality  and  ex- 
pense. These  arc  all  discriminatory  and  also  repugnant  to  sound 
finance. 

2.  Approximations  of  the  results  by  the  select  and  ultimate 
method — i.e.  ways  of  doing  it  while  seeming  not  to. 

The  former  have  resulted  in  the  absurd  Wisconsin  minimum 
standard  which  actually  weakens  the  already  attenuated  full  pre- 
liminary term  reserves,  as  to  the  policies  most  commonly  written. 

The  latter  have  distributed  the  "making  good"  of  the  reserve 
by  the  ultimate  table,  in  such  manner  as  not  to  avail  of  the  large 
mortality  salvage  of  the  first  year,  but  so  that  the  salvages  thereafter 
will  be  called  upon  to  "make  good"  more  than  they  possibly  can. 
Notwithstanding  which,  the  mortality  salvage  (A  the  first  year  is  not 


INTRODUCTION.  xiii 

released  toward  covering  cost  of  new  business.  In  other  words,  it  is 
impounded  and  cannot  be  used  for  initial  expenses,  yet  is  not  ap- 
plied toward  "making  good." 

The  wisdom  of  having  a  common  standard  to  measure  cost  of 
new  business  is  now  pretty  generally  admitted.  That  the  correct 
measure  should  bo  its  value  to  the  going  concern  is  also  seen  pretty 
clearly  and  also  that,  under  .American  conditions,  this  value  is  the 
expense  loading  of  the  first  premium,  plus  the  present  value  of 
mortality  salvages,  the  select  and  ultimate  margin. 

If  the  New  York  standard  in  any  particular  fails  to  do  justice, 
it  is  in  this:  The  select  and  ultimate  margin  by  that  standard,  the 
American  lixperience  select  and  ultimate  table,  is  not  the  full  pres- 
ent value  of  these  mortality  salvages.  Therefore,  the  measure  is 
too  small,  i.e.  smaller  than  the  actual  value  of  the  new  business  to  a 
going  concern,  beyond  which  no  jirudent  manager  really  desires  to  go. 

lust  what  is  the  true  value  of  these  salvages  in  the  United 
States  is  not  accurately  known;  because  we  have  no  select  mortality 
table,  deduced  from  the  general  experience  of  American  companies. 
We  do  know  tliat  the  experience  in  the  United  States  corresponds 
verv  fairly  with  that  of  British  companies;  and  we  have  a  table, 
the  O^^^]  select,  deduced  from  all  of  their  experience  up  to  1893.  Ac- 
cording to  that  table,  the  value  of  the  salvages  averages  fully  $4.00 
per  $1,000  of  insurance  more  than  is  brought  out  by  the  American 
Experience  select  and  ultimate. 

The  tables  on  pages,  appended  to  this  introtluction,  show  the 
margins  set  free  by  the  different  methods. 

If  the  best-managed  of  the  preliminary  term  companies  will 
apply  the  margins  by  O^^^'^  select  and  ultimate  to  the  business  actually 
done  by  them,  they  will  find  that  it  gives  as  large  a  provision  for  cost 
of  new  business,  on  the  whole,  and  much  more  wisely  and  fairly  dis- 
tributed, as  the  abortions  of  modified  preliminary  term  that  have  been 
adopted,  and  as  mlich  as  a  prudently  conducted  company  would  de- 
sire to  use.     And,  if  it  is  substituted,  the  following  will  be  gained: 

1.  The  brand  of  "preliminary  term"  will  be  taken  from  their 
policies. 

2.  The  vicious  extravagance  of  certain  comiKinies  will  not  be 
charged  against  companies  of  the  preliminary  term  class,  only;  if.  in- 
deed, such  extravagance  will  not  be  rendered  impossible. 

3.  Their  surrender  values,  now  usually  i)ermanently  lower 
than  others,  can  be  brought  up  to  standard. 

4.  There  will  be  uniformity  of  minimum  standards  of  re- 
serves and  maximum  provisions  for  cost  of  new  business. 

It  seems  clear  that  the  general  substitution  of  this  minimum 
standard  would  harmonize  the  interests  of  all  of  the  following: 


xiv  INTRODUCTION. 

1.  The  constituents  of  the  various  agents'  associations  in  the 
I'nited  States  and  Canada,  who  desire  a  small  measure  of  relief  from 
the  stringent  New  York  standard  but  do  not  wish  a  return  to  the 
evil  conditions  of  the  past. 

2.  Companies,  complying  with  the  New  York  laws,  whose 
premiums  are  so  low  that  the  pressure  on  their  commissions  is 
severest. 

3.  Companies,  not  complying  with  the  New  York  laws,  and 
especially  preliminary  term  companies. 

4.  Commissioners  of  insurance,  desirous  of  bringing  about  uni- 
form requirements  and  conditions  promoting  honesty  and  economy, 
but  at  all  hazards  without  destroying  companies  or  their  prospects. 

5.  Actuaries,  desirous  of  serving  the  best  interests  of  their 
companies,  the  profession  and  the  public  and  of  escaping  the  annoy- 
ances of  the  conflict  and  confusion  of  the  variety  of  methods  now  in 
use. 

6.  Policyholders,  both  old  and  new.  The  former  will  thus  be 
protected  against  new  business  being  taken  on  at  a  loss  to  them  and 
the  latter  against  the  costs  being  so  large  as  unduly  to  reduce  the 
safety  or  the  participation  of  their  policies. 

It  will  also  tend  to  the  equalization  of  dividends  and  their  be- 
ing early  realized.  For  it  would  call  for  lower  reserves  at  the  out- 
set and  higher  reserves  later,  than  the  American  Experience. 

The  suitability  of  the  latter — and  of  the  Actuaries'  and  the  11^'^ 
tables,  as  well — to  be  substituted  for  an  ultimate  table,  may  be  judged 
by  comparing  the  same  as  given  in  the  tables  appended  to  this  preface. 

The  general  equivalence  of  each  of  the  other  tables  to  the  ulti- 
mate O^^^^^  should  not  blind  one  to  their  departures  and  discrepancies. 
The  curve  of  the  American  Experience  below  the  ultimate  rates  from 
age  40  to  age  69  (which  are  precisely  the  ages  at  which  the  majority 
of  the  membership  of  a  stationary  or  receding  business  arc  likely  to 
stand)  is  especially  noteworthy.  It  results  both  in  low  ]ireniiunis  and 
low  reserves,  a  particularly  unfortunate  combination  if  in  such  a 
business  the  ultimate  mortality  proved  higher  than  the  assumptions. 

The  QMCiO)  calls  for  higher  net  premiums  and  higher  ultin\-ao 
reserves,  both  elements  of  strength;  and,  on  the  select  and  ultimate 
basis,  for  low  reserves  at  the  outset,  gradually  ascending  to  reach  ulti- 
mate reserves  the  lOth  year.  As  a  basis  for  surrender  values,  these 
give  moderate  early  values  and  larger  \alues  to  persistent  policy- 
holder.s — both,  things  to  be  desired. 

\n  the  calculation  of  select  and  ultiinaU'  rrscv\cs  by  tlie  l)!-"^'! 
tabk',  the  first  terminal  rescrxe,  computed  by  the  formula,  would 
frequently  be  a  minus  (piantity  and  the  first  mean  roser\c  less  than 
1/2  vQixi .  In  all  such  cases,  the  terminal  reserve  is  taken  as  zero  and 
the  mean  reserve  as  3/2  vq|x]  . 


INTRODUCTION.  xv 

It  will  be  interesting^  to  investi^^ate  what  niari^ins  and  percent- 
ages of  premiums  are  set  free  by  these  different  minimum  standards 
and  also  what  percentages  of  commissions  can  be  paid,  after  providing 
for  medical  and  inspection  expenses.  On  the  basis  of  the  following 
participating  premiums  for  age  35 — Life  $27.30,  20  payment  $36.00  and 
20  year  endowment  $50.80 — the  following  show  the  margins  and  the 
commissions  which  can  be  paid  : 

FIRST  YEAR   MARGINS— (Including  Loading). 
Age  35. 


Canadian 

OCM]          Per 

Am.  Ex.        Per           *Am. 

Ex.      Per 

Life        Per 

Sel.  &  Ult.    Cent. 

Sel.  &  Ult.    Cent.      Prel.  Term.  Cent. 

Officers'.  Cent. 

Life     21.85            80 

18.06             66                 18.65             68 
Fifteen,  Illinois,  Michigan  and  Tennes 

18.82            69 

*  New  Jersey,  Committee  of 

see,  and,  virtually, 

Wisconsin,  as  well  as 

all   "full  preliminary  term" 

States. 

Canadian 

0[M]       Per        Am 

1.  Ex.    Per           Life        Per 

*New 

Per    tCom.  of  Per 

Sel.  &  Ult.  Ct.      Sel. 

&  Ult.  Ct.       Officers'.    Ct. 

Jersey. 

Ct.      Fifteen.    Ct. 

20    Pay't..      22.65         6.3             10.08         53             20.03         56 

19.86 

54J/2         27.35         76 

Same  as  modified  preliminary  term. 

Same   as    full    preliminary    term;    also    as    Illinois,    Michigan    and    Tennessee    and, 
virtually,   Wisconsin. 


0[M]  Am.  Ex.        Cariad'n  tCom.  of 

Sel.     Per       Sel.    Per       Life    Per          of      Per  Per  Per 

&  Ult.  Ct.      &  int.  Ct.    Offi'rs'.  Ct.      Fift'n.  Ct.  *Illin's.  Ct.  §Mich.  Ct. 

30    Yr.    End't. ..      24.37     48         20.84     41         22.62     44         21.94     42  29.43     58  42.15     83 


t  Modified   preliminary   term.     New  Jersey, 
*  Also,   virtually,   Wisconsin. 
§  Full   preliminary   term. 


PER  CENT.  AVAILABLE  FOR  COMMISSIONS 

(After  Deducting  12  ])er  cent,  of  Life  Premium  for  Medical  and 
Inspection  Expenses,  etc.) 
Age  35. 


OEM]  Am.  Ex.  Am.  Ex.  Canadian 

Sel.  &  Ult.  Sel.  &  Ult.  Preliminary  Term.  Life  Officers', 

Life    65  55  56  56 


OtM] 

Am.  Ex. 

Canadian 

Com.  of 

Sel.  &  Ult. 

Sel.  &  Ult. 

Life  Officers'. 

New  Jersey. 

Fifteen. 

20  Pay't... 

54 

44 

47 

46 

67 

0[M]  Am.  Ex.         Canadian        Com.   of 

Sel.   &  Ult.       Sel.  &  Ult.  Life  Officers'.     Fifteen  Ulinoi.^.         Michigan. 

20    End't 41  36  38  37  51  77 


The  liberal  and  properly-graded  rates  of  commissions  provided 
by  the  correct  C^^^  select  and  ultimate  method  are  thus  readily  con- 
trasted with  the  monstrosities  exhibited  by  some  of  the  other  methods. 


COMPARATIVE     ist    YEAR'S    MARGINS. 
ORDINARY    LIFE. 


Am.  Ex. 

*Canadian 

OtM] 

Am.  Ex. 

Prelim. 

Life 

Age. 

Sel.  &  Ult. 

Sel.  &  Ult. 

Term. 

Officers'. 

20 

10.67 

9-30 

5-94 

7.18 

21 

10.97 

9-37 

6.18 

7.16 

22 

11.29 

9.46 

6.44 

7-40 

23 

11.62 

9.48 

6.72 

7-84 

24 

11.96 

952 

7.01 

8.36 

25 

12.32 

9.61 

7-31 

8.80 

26 

12.46 

9.69 

7-63 

9.20 

27 

12.65 

9-77 

7.96 

9-47 

28 

12.86 

9.84 

?-?° 

9.71 

29 

13.10 

9-97 

8.67 

9-97 

30 

1335 

10.06 

9-05 

10.23 

31 

13-58 

10.16 

9-46 

10.59 

32 

13.90 

10.27 

9.88 

11.00 

3:^ 

14.21 

10.38 

10.30 

11-43 

34 

14-59 

10.52 

10.77 

11.86 

35 

14.94 

10.67 

11.26 

12.28 

36 

15.36 

10.81 

11-77  . 

12.66 

37 

15.81 

11.02 

12.30 

13.06 

38 

16.33 

11.23 

12.85 

1353 

39 

16.89 

11.45 

13-44 

14.05 

40 

17.46 

.  11.69 

14.04 

14.70 

41 

18.11 

11-95 

14.69 

15-44 

42 

18.81 

12.26 

15-35 

16.17 

43 

19-57 

12.56 

16.07 

16.83 

44 

20.45 

12.97 

16.80 

17-51 

45 

21.33 

13-39 

17-56 

18.07 

46 

22.32 

13.90 

18.34 

18.57 

47 

23-40 

14.46 

19-15 

19-13 

48 

24.60 

15.09 

19.99 

19.77 

49 

25-83 

15.86 

20.81 

20.45 

50 

27.19 

16.72 

21.68 

21.26 

51 

28.70 

17.64 

22.54 

22.17 

52 

30.34 

18.66 

23.42 

2305 

53 

32.10 

19.83 

24-33 

23-87 

54 

33-68 

21.14 

25.26 

24-73 

55 

35-02 

22.49 

26.19 

25-55 

56 

36.42 

24.09 

27.13 

26.39 

57 

37-89 

2583 

28.10 

27.26 

58 

39-43 

27.71 

29.07 

28.19 

59 

41.04 

29.85 

30.05 

29.02 

60 

42.73 

32.14 

3104 

29.81 

6r 

44-50 

34.70 

32.02 

30.55 

62 

46.35 

37-49 

33-00 

3^ -^7 

^^3 

48.30 

40.56 

33-99 

31-93 

64 

.S0.33 

43-94 

34-95 

32.73 

''>5 

52.47 

47-63 

35-88 

33-68 

*  For  Ordinary  Life,  New  jersey.  Coinniittcc  of  I'lftccn. 
Illiotiis,  Micliip^an  and  Tennessee  and  full  ])reliniinary  term  are 
ail  the  same.     Wisconsin,  virtually,  the  same. 


COMPARATIVE    ist    YEAR'S    MARGINS. 
TWENTY    PAYMENT    LIFE. 


Canadian 

tCom. 

OtM] 

Am.  Ex. 

Life 

-New 

of 

Age. 

Sel.  &  Ult. 

Sel.  &  Ult. 

Officers'. 

Jersey. 

Fifteen. 

20 

11-34 

9-14 

7.18 

5-94 

13.18 

21 

11-43 

9.20 

7.16 

6.18 

1347 

22 

11.56 

9.29 

7.40 

6.44 

13.76 

23 

11.68 

9-33 

7-84 

6.72 

14.07 

24 

11.85 

9-35 

8.36 

7.01 

14.40 

25 

11.98 

9-45 

8.80 

7-31 

14-74 

26 

12.12 

9-54 

9.20 

7.63 

15.08 

27 

12.31 

9.61 

9-47 

7.96 

15-43 

28 

12.50 

9.67 

9.71 

8.30 

15.80 

29 

12.73 

9-79 

9-97 

8.67 

16.18 

30 

12.98 

9.88 

10.23 

9-05 

16.57 

31 

13.20 

9.96 

10.59 

^•ia 

16.99 

32 

13-50 

10.10 

11.00 

9.88 

17.41 

33 

13.81 

10.19 

11-43 

10.30 

17.82 

34 

14.17 

10.34 

11.86 

10.77 

18.28 

35 

14-51 

10.48 

12.28 

11.26 

18.75 

36 

14.91 

10.64 

12.66 

11.77 

19.23 

37 

15-36 

10.82 

13.06 

12.30 

19.72 

38 

15-87 

11.03 

13-53 

12.85 

20.22 

39 

16.39 

11.24 

14.05 

13-44 

20.75 

40 

16.95 

11.49 

14.70 

14.04 

21.29 

41 

17-59 

11-75 

15-44 

14.69 

21.85 

42 

18.25 

12.05 

16.17 

15-35 

22.43 

43 

19.00 

12.34 

16.83 

16.07 

23.04 

44 

19.87 

12.75 

17-51 

16.80 

23-65 

45 

20.72 

13.18 

18.07 

17-56 

24.28 

46 

21.70 

13-65 

18.57 

18.34 

24.91 

47 

22.f6 

14.21 

19-13 

19-15 

25-56 

48 

23.91 

14.87 

19.77 

19.99 

26.23 

49 

25-13 

15-63 

20.45 

20.81 

26.86 

50 

26.47 

16.46 

21.26 

21.68 

27.51 

51 

27.97 

17.41 

22.17 

22.54 

28.15 

52 

29-59 

18.42 

23-05 

23.42 

28.80 

53 

31-34 

19-57 

23-87 

24-33 

29-45 

54 

33-22 

20.85 

24-73 

25.26 

30.11 

55 

35-29 

22.24 

25-55 

26.19 

30.76 

*  Same  as  modified  preliminary  term. 

t  Same  as  full  preliminary  term,  also  as  Illinois,  Michigan  and 
Tennessee  and,  virtually,  same  as  Wisconsin. 


COMPARATIVE     ist    YEAR'S    MARGINS. 
FIFTEEN    PAYMENT    LIFE. 


Canadian 

*Com. 

Full 

OEM] 

Am.  Ex. 

Life 

of 

Prelim. 

Age. 

Sel.  &  Ult. 

Sel.  &  Ult. 

Officers'. 

Fifteen. 

tlllinois. 

Term. 

20 

II. 15 

9-05 

7.18 

5-94 

'13.18 

17.61 

21 

11.23 

9.1 1 

7.16 

6.18 

13-47 

17.96 

22 

11.36 

9.19 

7.40 

6.44 

^}>-l^^ 

18.33 

23 

11.47 

9-23 

7.84 

6.72 

14.07 

18.71 

24 

11.64 

9-25 

8.36 

7.01 

14.40 

19.10 

25 

11.76 

9-34 

8.80 

7-31 

14-74 

19-52 

26 

11.89 

9-43 

9.20 

7-63 

15.08 

19-94 

^7 

12.08 

9-49 

9-47 

7.96 

15-43 

20.37 

28 

12.25 

9-55 

9.71 

8.30 

15.80 

20.82 

29 

12.48 

9.67 

9-97 

8.67 

16.18 

21.29 

30 

12.71 

9-75 

10.23 

9-05 

16.57 

21.77 

31 

12.93 

9.86 

10.59 

9.46 

16.99 

22.27 

Ty-^ 

13.21 

9-97 

11.00 

9.88 

17.41 

22.78 

33 

13-52 

10.06 

11-43 

10.30 

17.82 

23-29 

34 

13.86 

10.19 

11.86 

10.77 

18.28 

23.84 

35 

14.19 

10.34 

12.28 

11.26 

18.75 

24.40 

36 

14-55 

10.50 

12.66 

11.77 

19.23 

24.97 

2^1 

14.98 

10.67 

13.06 

12.30 

19.72 

25-57 

38 

15-47 

10.87 

13-53 

12.85 

20.22 

26.17 

39 

15.98 

11.07 

14.05 

13-44 

20.75 

26.79 

40 

16.53 

11-33 

14.70 

14.04 

21.29 

27-43 

41 

17.14 

11-57 

15-44 

14.69 

21.85 

28.09 

42 

17.76 

11.87 

16.17 

15-35 

22.43 

28.76 

43 

18.48 

12.14 

16.83 

16.07 

23-04 

29.46 

44 

19.32 

12.56 

17-51 

16.80 

23-65 

30.16 

45 

20.12 

12.97 

18.07 

17-56 

24.28 

30.87 

46 

21.06 

13-41 

18.57 

18.34 

24.91 

31.60 

47 

22.08 

13-97 

19-13 

19-15 

25-56 

32.32 

48 

23.20 

14.61 

19.77 

19.99 

26.23 

33-06 

49 

24-38 

15-38 

20.45 

20.81 

26.86 

33-75 

50 

25.66 

16.16 

21.26 

21.68 

27-51 

34-46 

51 

27.09 

17.07 

22.17 

22.54 

28.  IS 

35-14 

52 

28.64 

18.10 

23-05 

23.42 

28.80 

35-82 

53 

30-34 

19.27 

23-87 

24-33 

29-45 

36.49 

54 

32-14 

20.49 

24-73 

25.26 

30. 1 1 

37.U 

55 

34-12 

21.84 

25.55 

26.19 

30.76 

37.77 

5^' 

36.25 

23-38 

26.39 

27.13 

3^-42 

38.39 

57 

38.58 

25.07 

27.26 

28.10 

32.08 

38.99 

58 

41. 12 

26.95 

28.19 

29.07 

32.74 

39.57 

59 

43-87 

29.06 

29.02 

30.05 

33-30 

40.11 

60 

46.80 

31-31 

29.81 

31.04 

34.06 

40.64 

*  Modified  Preliminary  Term,  New  Jersey,  same, 
t  Also  Michigan  and  Tennessee  and,  virtually,  Wisconsin,  the 
same. 


COMPARATIVE     ist    YEAR'S    MARGINS. 
TEN    PAYMENT    LIFE. 


Canadian 

*Com. 

Full 

OCM] 

Am.  Ex. 

Life 

of 

Prelim. 

Age. 

Sel.  &  Ult. 

Sel.  &  Ult. 

Officers'. 

Fifteen. 

■'■Illinois. 

Term. 

20 

10.7S 

::-^5 

7.18 

5-94 

13.18 

26.09 

21 

10.84 

8.91 

7.16 

6.18 

13-47 

27.18 

22 

10.95 

8.99 

7.40 

6.44 

13.76 

27.69 

2d> 

11.05 

9.02 

7.84 

6.72 

14.07 

28.22 

24 

11.20 

9-05 

8.36  • 

7.01 

14.40 

28.77 

25 

11.31 

9.12 

8.80 

7-31 

14.74 

29-34 

20 

11-43 

9.20 

9.20 

7-63 

15.08 

29-93 

27 

11-59 

9.26 

9-47 

7.96 

15-43 

30.53 

28 

"•75 

9-32 

9.71 

8.30 

15.80 

31-15 

29 

11-95 

9.42 

9-97 

8.67 

16.18 

31.80 

30 

12.16 

9-50 

10.23 

9-05 

16.57 

32.47 

31 

12.35 

9-59 

10.59 

9-46 

16.99 

33-16 

z^ 

12.61 

9.70 

11.00 

9-88 

17.41 

33-88 

z?, 

12.89 

9.78 

11-43 

10.30 

17.82 

34-59 

34 

13.20 

9.91 

11.86 

10.77 

18.28 

35-35 

^1 

13-49 

10.01 

12.28 

11.26 

18.75 

36.13 

36 

13-84 

10.18 

12.66 

11.77 

19.23 

36.92 

2,7 

14.22 

IO-35 

13.06 

12.30 

19.72 

37-75 

38 

14.66 

10.56 

13-53 

12.85 

20.22 

38-58 

39 

15.12 

10.74 

14-05 

13-44 

20.75 

39-44 

40 

15.60 

10.97 

14.70 

14.04 

21.29 

40.32 

41 

16.15 

11.25 

15-44 

14.69 

21.85 

41.22 

42 

16.73 

11.47 

16.17 

15-35 

22.43 

42.14 

43 

17.36 

11-73 

16.83 

16.07 

23-04 

43-10 

44 

18.12 

12.12 

17-51 

16.80 

23-65 

44-05 

45 

18.86 

12.50 

18.07 

17-56 

24.28 

45-03 

46 

19.69 

12.93 

18.57 

18.34 

24.91 

46.01 

47 

20.61 

13-44 

19-13 

19-15 

25-56 

46.99 

48 

21.62 

14-05 

19.77 

19.99 

26.23 

47-99 

49 

22.66 

14-73 

20.45 

20.81 

26.86 

48.93 

50 

23.82 

15-51 

21.26 

21.68 

27-51 

49-89 

51 

25.10 

16.39 

22.17 

22.54 

28.15 

50.82 

52 

26.50 

17-33 

23-05 

23.42 

28.80 

51-73 

53 

28.02 

18.40 

23.87 

24-33 

29-45 

52.63 

54 

29.64 

19.60 

24-73 

25.26 

30. 1 1 

53-49 

55 

31-41 

20.86 

25-55 

26.19 

30.76 

54.32 

56 

3332 

22.33 

26.39 

27.13 

31.42 

55-11 

57 

35-40 

23-93 

27.26 

28.10 

32.08 

55-86 

58 

37-66 

25-71 

28.19 

29.07 

32.74 

56.56 

59 

40.15 

27.71 

29.02 

30.05 

33-39 

57-20 

60 

42.76 

29.82 

29.81 

31.04 

34.06 

57-80 

61 

45-63 

32.24 

30.55 

32.02 

34-71 

58.32 

62 

48.71 

34.84 

31.27 

3300 

35.37 

58.77 

^^ 

52.11 

37.77 

31-93 

33-99 

36.03 

59-15 

64 

55-72 

40.96 

32.73 

34-95 

36.67 

59-44 

65 

59-63 

44-46 

33.68 

35-88 

37-30 

59.62 

*  Modified  Preliminary  Term,  New  Jersey,  same. 

t  Also  Michigan  and  Tennessee  and,  virtually,  Wisconsin,  the 


COMPARATIVE     ist    YEAR'S    MARGINS. 
TWENTY    YEAR   ENDOWMENT. 


-  -- 

-  - 

" 

tCommittee 

§Mich. 

Qim 

Am.  Ex. 

Life 

of 

and 

Age. 

Sel.  &  Ult. 

Sel.  &  Ult. 

Officers', 

Fifteen.     =• 

'Illinois. 

Tenn. 

20 

10.58 

>^-77 

7.18 

5-94 

13.18 

31.36 

21 

10.68 

8.81 

7.16 

6.18 

13.47 

31-35 

22 

10.80 

8.87 

7.40 

6.44 

13.76 

31-35 

23 

10.94 

8-95 

7.84 

6.72 

14.07 

31-35 

24 

1 1 .09 

9.01 

8.36 

7.01 

14.40 

31-35 

25 

11.23 

9.09 

8.80 

7-31 

14-74 

31-35 

26 

11-39 

9.16 

9.20 

7-63 

15.08 

31-35 

27 

11-59 

9.26 

9-47 

7.96 

15-43 

31-35 

28 

11.78 

932 

9.71 

8.30 

15.80 

31-35 

29 

11-99 

9.42 

9-97 

8.67 

16.18 

31-36 

30 

12.24 

9-50 

10.23 

9-05 

16.57 

31-37 

31 

12.50 

9.60 

10.59 

^it 

16.99 

31-39 

2>^ 

12.80 

9-75 

11.00 

9.88 

17.41 

31-41 

Z2> 

13.07 

9.86 

11-43 

10.30 

17.82 

31-40 

34 

1344 

10.03 

11.86 

10.77 

18.28 

31-44 

35 

13.82 

10.16 

12.28 

11.26 

18.75 

31-47 

36 

14.20 

10.33 

12.66 

11-77 

19.23 

31-50 

Z7 

14-65 

10.49 

13.06 

12.30 

19.72 

31-55 

38 

15.16 

10.71 

13-53 

12.85 

20.22 

31-59 

39 

15-65 

10.94 

14-05 

13-44 

20.75 

31-65 

40 

16.24 

11.21 

14.70 

14.04 

21.29 

31-72 

41 

16.88 

11-45 

15-44 

14.69 

21.85 

31-80 

42 

17-54 

11.76 

16.17 

15-35 

22.43 

31-90 

43 

18.30 

12.06 

16.83 

16.07 

23.04 

32.02 

44 

19.16 

12.48 

17-51 

16.80 

23-65 

32.15 

45 

20.02 

12.92 

18.07 

17-56 

24.28 

32.29 

46 

21.02 

13.40 

18.57 

18.34 

24.91 

32.44 

47 

22.08 

13-97 

1913 

19-15 

25-56 

32.61 

48 

23.21 

14-63 

19-77 

19.99 

26.23 

32.80 

49 

24.46 

15-38 

20.45 

20.81 

26.86 

32.96 

50 

25-83 

16.16 

21.26 

21.68 

27-51 

33-15 

51 

2733 

17-17 

22.17 

22.54 

28.15 

33-34 

52 

28.94 

18.21 

23-05 

23.42 

28.80 

33-54 

53 

30.71 

19-35 

23.87 

24-33 

29-45 

33-77 

54 

32.61 

20.64 

24.73 

25.26 

30. 1 1 

34.01 

55 

34-68 

22.04            25.55 
Preliminary   Term. 

26.19 
New  Jersey 

30.76 
,   same. 

34-27 

t  Modified 

*  Also,  virtually,  Wisconsin. 
§  Full  Preliminary  Term. 


COMPARATIVE     ist    YEAR'S    MARGINS. 
FIFTEEN    YEAR    ENDOWMENT. 


Canadian 

■^Committee 

Full 

OLMJ 

Am.  Ex. 

Life 

of 

Prel. 

Age. 

Sel.  &  Ult. 

Sel.  &  Ult. 

Officers'. 

Fifteen. 

tlllinois. 

Term. 

20 

W.93 

8.43 

7.18 

5-94 

.3.18 

46.90 

21 

10.00 

8.48 

7.16 

6.18 

13-47 

46.88 

22 

10.12 

8-54 

7.40 

6.44 

13.76 

46.87 

23 

10.24 

8.62 

7.84 

6.72 

14.07 

46.86 

24 

10.39 

8.64 

8.36 

7.01 

14.40 

46-85 

25 

10.50 

8.70 

8.80 

7-3^ 

14-74 

46.84 

26 

lO.f)/ 

8.82 

9r20 

7-^3 

15.08 

46.83 

27 

10.85 

8.88 

9-47 

7.96 

15-43 

46.81 

28 

11.03 

8.98 

9.71 

8-30 

15.80 

46.80 

29 

11.22 

9.07 

9-97 

8.67 

16.18 

46.79 

30 

11-45 

9.17 

10.23 

9-05 

16.57 

46.78 

31 

11-73 

9.27 

10.59 

9.46 

16.99 

46-77 

3~ 

11.98 

9.40 

11.00 

9.88 

17.41 

46.76 

33 

12.27 

9-5 1 

11-43 

10.30 

17.80 

46-73 

34 

12.60 

9-65 

11.86 

10.77 

18.28 

46.73 

35 

12.91 

9.79 

12.28 

1 1.26 

18.75 

46.72 

36 

13.28 

9-94 

12.66 

11.77 

19.23 

46.71 

37 

13-70 

10.13 

13.06 

12.30 

19.72 

46.71 

38 

14.14 

10.31 

13-53 

12.85 

20.22 

46.69 

39 

14.67 

10.54 

14-05 

13-44 

20.75 

46.69 

40 

15.22 

10.82 

14.70 

14.04 

21.29 

46.68 

41 

15.81 

11.05 

15-44 

14.69 

21.85 

46.69 

42 

16.41 

11-33 

16.17 

15-35 

22.43 

46.70 

43 

17-13 

11-57 

16.83 

16.07 

23.04 

46.72 

44 

17-95 

12.02 

17-51 

16.80 

23-64 

46.74 

45 

18.72 

12.44 

18.07 

17-56 

24.28 

46-76 

46 

19.67 

12.93 

18.57 

18.34 

24.91 

46.78 

47 

20.65 

13-44 

19-13 

19-15 

25-56 

46.81 

48 

21.78 

14.10 

19.77 

19.99 

26.23 

46.84 

49 

22.95 

14-83 

20.45 

20.81 

26.86 

46.82 

50 

24.23 

15.62 

21.26 

21.68 

27-51 

46.82 

51 

25-65 

16.57 

22.17 

22.54 

28.15 

46.79 

5-^ 

27.19 

17.60 

23-05 

23.42 

28.80 

46.76 

53 

28.89 

18.73 

23-87 

24-33 

29-45 

46.74 

54 

30.69 

19.96 

24-73 

25.26 

30. 1 1 

46.70 

55 

32-65 

21.32 

25-55 

26.19 

30.76 

46.65 

56 

34-83 

22.86 

26.39 

27.13 

31-42 

46.60 

57 

37-^4 

24.56 

27.26 

28.10 

32.08 

46.55 

58 

39-70 

26.44 

28.19 

29.07 

32-74 

46.49 

59 

42-44 

28.55 

29.02 

30-05 

33-39 

46.42 

60 

45-42 

30.88 

29.81 

31.04 

34.06 

46.36 

*  Modified  Preliminary  Term.     New  Jersey,  same. 

t  Michigan,  Tennessee  and  Wisconsin,  virtually,  the  same. 


COMPARATIVE     ist    YEAR'S    MARGINS. 
TEN     YEAR     ENDOWMENT. 




Canadian  = 

^=  Committee 

Full 

OC"^] 

Am.  Ex. 

Life 

of 

Prel. 

Age. 
20 

Sel.  &  Ult. 

8.57 

Sel.  &  Ult. 
7-73, 

Officers'. 

7.18 

Fifteen. 

tlllinois. 

13.18 

Term. 
78.76 

21 

8.63 

7.7S 

7.16 

6.18 

13-47 

78-74 

22 

8.72 

7M 

7.40 

6.44 

13.76 

78.72 

23 

8.82 

7-89 

7-84 

6.72 

14.07 

78.70 

24 

8.95 

7-97 

8.36 

7.01 

14.40 

78.68 

2S 

9.06 

8.03 

8.80 

7-31 

14-74 

78.66 

26 

9.19 

8.07 

9.20 

7-63 

15.08 

78-64 

27 

9-33 

8.15 

947' 

7.96 

15-43 

78.61 

28 

9.48 

8.25 

9.71 

8-30 

15.80 

78-59 

29 

9-63 

8.31 

'    9-97 

8.67 

16.48 

78-57 

30 

9.86 

8.42 

10.23 

9-05 

16.57 

78-54 

31 

10.03 

8.50 

10.59 

9.46 

16.99 

78-51 

32 

10.27 

8.61 

11.00 

9.88 

17.41 

78-49 

33 

10.54 

8.71 

11-43 

10.30 

17.82 

78-43 

34 

10.79 

8.84 

11.86 

10.77 

18.28 

78.41 

35 

11.08 

8.93 

12.28 

11.26 

18.75 

78-37 

36 

IT.41 

9.08- 

12.66 

11.77 

19.23 

78-33 

37 

^^■75 

9-30 

13.06 

12.30 

19.72 

78-29 

38 

12.13 

9.49 

13-53 

12.85 

20.22 

78-23 

39 

12.55 

9.70 

14.05 

13-44 

20.75 

78.18 

40 

12.99 

9.89 

14.70 

14.04 

21.29 

78.12 

41 

13-50 

10.14 

15-44 

14.69 

21.85 

78.06 

42 

14.09 

10.40 

16.17 

15-35 

22.43 

78.00 

43 

1 4.60 

10.67 

16.83 

16.07 

23.04 

77-94 

44 

15-33 

11.04 

17-51 

16.80 

23-65 

77-87 

45 

16.03 

11.42 

18.07 

17-56 

24.28 

77-79 

46 

1 6.8b 

11.89 

18-57 

18.34 

24.91 

77.71 

47 

17-63 

12.33 

19-13 

19-15 

25-56 

77.61 

48 

t8.s8 

12.96 

19-77 

19.99 

26.23 

77-50 

49 

19-58 

13.60 

20.45 

20.8  T 

26.86 

77-33 

50 

20.68 

14.36 

21.26 

21.68 

27-51 

77.17 

51 

21.89 

15.21 

22.17 

22.54 

28.15 

76-96 

52 

23.20 

16.14 

23-05 

23-4:2 

28.80 

76-73 

53 

24.66 

17.17 

23.87 

24-33 

29-45 

76-48 

54 

26.  T  9 

18.38 

24-73 

25.26 

30. 1 1 

76.20 

55 

27.89 

19.60 

25-55 

26.  T9 

30.76 

75.88 

5^> 

29.79 

21.04 

26.39 

27- T  3 

3^-42 

75-52 

57 

3f-79 

22.63 

27.26 

28.TO 

32.08 

75-^3 

5« 

34.00 

24.38 

28.19 

29.07 

32.47 

74-71 

59 

36.42 

26.35 

29.02 

30.05 

33-39 

74-23 

60 

39-03 

28.46 

29.81 

3T.04 

34.06 

73-7^ 

6t 

41-83 

30.85 

30.55 

32.02 

3471 

7^■'i(^ 

62 

44-90 

33-44 

31.27 

33-00 

y>37 

72-55 

^'3 

48.26 

.36.32 

3t.93 

33-<» 

36.03 

7r-89 

'^•4 

5F.8; 

39.31 

32-73 

34-95 

36.67 

71.17 

r.s 

55-^2 

43-04 

33-68 

35-88 

3730 

70.37 

*   Mrxjififd   PrcHtiiinary  1\Tni.      Xcw    T<.M-soy,  same. 

t  Michigan.  Tennessee  and,  \  irlually,  \\'isconsin,  the  same. 


ULTIMATE  MORTALITY  RATES. 


Age. 

OM(10)_ 

Am.  Ex. 

2Q 

.00664 

.007805 

21 

.00670 

•007855 

22 

.00676 

.007906 

^Z 

.00684 

•007958 

24 

.00691 

.008011 

25 

.00700 

.008065 

26 

.00710 

.008130 

27 

.00720 

.008197 

28 

.00731 

.008264 

29 

.00744 

•008345 

30 

•00757 

.008427 

31 

.00772 

.008510 

z^ 

.00788 

.008607 

33 

.00806 

.008718 

34 

.00825 

.008831 

35 

.00846 

.008946 

36 

.00870 

.009089 

?,7 

.00895 

•009234 

38 

.00923 

.009408 

39 

•00953 

.009586 

40 

.00986 

.009794 

41 

.01022 

.010008 

42 

.01062 

.010252 

43 

.01105 

.010517 

44 

.01153 

.010829 

45 

.or  205 

.011163 

46 

.01261 

.011562 

47 

.01323 

.012000 

48 

.01391 

.012509 

49 

.01465 

.013106 

50 

.01546 

.013781 

51 

•01635 

.014541 

52 

.0173  c 

.015389 

53 

.01837 

•016333 

54 

•01953 

.017396 

55 

.02079 

.018571 

56 

.02217 

.019885 

57 

.02367 

•021335 

58 

.02532 

.022936 

59 

.02711 

.024720 

60 

.02907 

.026693 

61 

.03121 

.028880 

62 

•03355 

.031292 

^>3 

.03610 

•033943 

64 

.03888 

.036873 

^'5 

.04192 

.040129 

66 

.04522 

•043707 

67 

.04883 

.047647 

68 

.05276 

.052002 

69 

•05704 

.056762 

70 

.06169 

.061993 

71 

.06676 

.067665 

72 

.07228 

•073733 

73 

.07828 

.080178 

74 

.08479 

.087028 

75 

.09187 

.094371 

Actuaries. 

.00729 1 

•007377 
.007464 
.007564 
.007666 
.007770 
.007887 
.008006 
.008139 
.008275 
.008425 
.008578 
.008747 
.008919 
.009095 
.009288 
.009485 
.009687 
.009906 
.010131 
.010362 
.010612 
.010894 
.011251 
.011697 
.012212 
.012839 
.013516 
.014260 
.015061 

•015939 
.016898 
.017947 
.019093 
.020313 
.021664 
.023126 
.024679 
.026386 
.028246 
.030336 
.032612 
.035120 
.037840 
.040826 
.044082 
.047614 
.051474 
•055630 
.060087 
•064933 
.070158 
.075805 
.081883 
.088468 
.095560 


.0063290 
.0067250 
.0068442 
.0067641 
.0066394 
.0066301 
.0066851 
.0069044 
.0071717 

•0074333 
.ooy'j22y 
.0079174 
.0081049 
.0082851 
.0085037 
.0087737 
.0091086 
•0094637 
.0097804 
.0100816 
.0103058 
.0104868 

.0107344 
.0111269 

.0115565 
.0121921 
.0129403 
.0137022 
.0144398 
.0152200 

•0159503 
.0166699 

.0175493 
.0186005 
.0197341 
.0210335 
.0224529 
.0239898 
.0256258 
.0275387 
.0296776 
.0320384 
•0346362 
0.374902 
.0404103 
.0434306 
.0465688 
.0498888 

•0532341 
.0573400 
.0621918 
.0680502 
.0749400 
.0828602 

•09 II 953 
.0983613 


ULTIMATE  MORTALITY  RATES. 


Ace. 

0^(10). 

Am.  Ex. 

Actuaries. 

HM. 

76 

•09954 

.102311 

.103179 

.1063719 

77 

.10787 

.111064 

.111469 

.1146860 

78 

.11688 

.120827 

.120444 

.1232129 

79 

.12664 

•  131734 

.130065 

•  1330595 

80 

.13720 

.144466 

.140406 

•  1446519 

81 

.14860 

.158605 

.151436 

.1580361 

82 

.16089 

.174297 

.163194 

•1713517 

83 

.17414^ 

.191561 

.175912 

•  185853b 

84 

.18840 

•211359 

.189678 

.1988771 

85 

.20371 

•235552 

•205095 

.2098857 

86 

.22013 

.265681 

.222480 

•2196545 

87 

.23771 

.303020 

.242234 

.2312294 

88 

.25648 

.346692 

.265274 

.2392996 

89 

.27649 

•395863 

.292382 

.2531969 

90 

.29777 

•454545 

•323730 

.2794521 

91 

.32032 

.532466 

.360987 

•3127377 

92 

•34417 

•634259 

•405263 

•3513UG 

93 

.36930 

•734177 

.457227 

•4157783 

94 

•39569 

•857143 

.516304 

.5072992 

95 

.42329 

1 .000000 

•584270 

.6370371 

96 

•45205 

.648649 

•8163265 

.48187 

.692308 

1. 0000000 

98 

.51264 

.750000 

99 

•54421 

1. 000000 

100 

•57640 

lOI 

.60902 

102 

.64184 

103 

.67460 

104 

.70701 

105 

1. 00000 

SELECT   RATES    OF    MORTALITY. 


Age  at 

First  Year. 

Second  Year. 

Third 

Year. 

Entry 

Am.  Ex. 

Am.  Ex. 

Am.  Ex. 

[x]. 

0[M] 

Sel.  &  Ult. 

0[M] 

Sel.  &  Ult. 

Oi^l    Sel.  &  Ult. 

20 

.00261 

.003903 

00437 

.005106 

.00502 

.005930 

21 

.00264 

.003928 

00442 

•005139 

.00507 

•005969 

22 

.00268 

•003953 

00446 

.005173 

.00512 

.006008 

23 

.00272 

.003979 

00451 

.005207 

.00518 

.006049 

24 

.00276 

.004006 

00457 

.005242 

•00525 

.006098 

25 

.00281 

.004033 

00463 

.005285 

•00532 

.006148 

26 

.00286 

.004065 

00469 

.005328 

.00540 

.006198 

27 

.00292 

.004099 

00476 

.005372 

•00549 

.006259 

28 

.00298 

.004132 

00484 

•005424 

.00558 

.006320 

29 

.00305 

•004173 

00493 

.005478 

.00569 

•006383 

30 

.00312 

.004214 

00502 

•005532 

.00580 

.006455 

31 

.00321 

.004255 

00512 

■005595 

■00592 

.006539 

32 

.00329 

.004304 

00523 

.005667 

.00606 

.006623 

33 

.00339 

•004359 

00536 

■005740 

.0062  T 

.0067  TO 

34 

.00350 

.004416 

00549 

■005815 

■00637 

.006817 

35 

.00361 

•004473 

00564 

.005908 

■00655 

.006926 

36 

.00374 

•004545 

00580 

.006002 

.00675 

.007056 

37 

.00388 

.004617 

00597 

.006 1 1 5 

.00696 

.007190 

38 

.00403 

.004704 

00616 

.0062^1 

.00719 

.007346 

39 

.00420 

•004793 

00637 

.006366 

■00745 

.007506 

40 

.00438 

.004897 

00660 

.006505 

.00773 

.007689 

41 

.00458 

.005004 

00685 

.006664 

.00803 

.007888 

42 

.00480 

.005126 

00713 

.006836 

.00836 

.008122 

43 

.00504 

•005259 

00742 

.007039 

•00873 

.008372 

44 

.00530 

•005415 

00775 

.007256 

•00913 

.008672 

45 

.00558 

.005582 

oo8tt 

■007515 

.00956 

.009000 

46 

.00590 

.005781 

00850 

.007800 

.OTOO4 

.009382 

47 

.00624 

.006000 

00893 

.008131 

.OTO56 

.009830 

48 

.00661 

.006255 

00940 

.008519 

.OTIT3 

•OTO336 

49 

.00702 

•006553 

00991 

.008958 

•OIT75 

.010906 

50 

.00746 

.006891 

01047 

.009452 

.OT244 

.011542 

51 

■00795 

.007271 

01 108 

.010003 

.OT3T8 

.012250 

52 

.00849 

•007695 

01 175 

.010616 

■OT399 

.013047 

53 

.00907 

.008167 

01249 

.01  T  307 

.01488 

.OT3928 

54 

.0097  T 

.008698 

or  329 

.012071 

.OT586 

.OT49T4 

55 

.01040 

.009286 

OT416 

.012925 

.OT692 

.016001 

5^ 

.OTII7 

.009943 

015  IT 

.013868 

.01808 

.017202 

57 

.0T200 

.010668 

01616 

.014908 

■01935 

.018540 

58 

.OT29T 

.01  T  468 

01730 

.016068 

.02073 

.020020 

59 

.01390 

.012360 

01855 

•OT7350 

■02225 

.02  T  660 

60 

.OT499 

•OT3347 

0199T 

.018772 

■02390 

.023469 

61 

.ot6t8 

.014440 

02140 

.020340 

.02571 

•025457 

62 

.01748 

.015646 

02302 

.022063 

.02768 

027655 

63 

.01889 

.016972 

024.80 

.023967 

.02983 

.030007 

64 

.02044 

■018437 

02674 

.026084 

.03218 

.032780 

65 

.02213 

.020065 

02885 

.0284  TO 

•03474 

■o^S735 

SELECT   RATES    OF   MORTALITY. 


Ageal 

Fourth 

Year. 

Fifth 

Year. 

Sixth  Year. 

Entry 

Am.  Ex. 

Am.  Ex. 

Am.  Ex. 

[x]. 

Ot"^] 

Sel.  &  Ult. 

Ot"^] 

Sel.  &  Ult. 

OtM] 

Sel.  &  Ult. 

20 

•00530 

.006764 

.00571 

.007610 

.00602 

.008065 

21 

•00545 

.006809 

•00578 

.007662 

.00610 

.008130 

22 

•00552 

.006855 

.00586 

.007724 

.00619 

.008197 

23 

•00559 

.006911 

.00594 

.007787 

.00629 

.008264 

24 

.00567 

.006967 

.00603 

.00785 1 

.00639 

.008345 

25 

.00576 

.007024 

.00614 

.007928 

.00651 

.008427 

26 

•00585 

•007093 

.00625 

.008006 

.00664 

.008510 

27 

:oo595 

.007163 

.00637 

.008085 

.00678 

.008607 

28 

.00607 

•007234 

.00650 

.008177 

.00693  . 

.008718 

29 

.00619 

.007316 

.00664 

.008282 

.00710 

.008831 

30 

•00633 

.007410 

.00680 

.008389 

.00728 

.008946 

31 

.00647 

.007506 

.00698 

.008499 

.00748 

.009089 

32 

.00664 

.007604' 

.00717 

■008635 

.00770 

.009234 

7^7^ 

.00681 

.007726 

.00737 

.008772 

.00794 

.009408 

34 

.00701 

.007849 

.00760 

.008938 

.00820 

.009586 

35 

.00722 

•007997 

•00785 

.009107 

.00849 

■009794 

36 

•00745 

.008148 

.00812 

•009304 

.00880 

.010008 

37 

.00770 

.008325 

.00842 

.009508 

.00915 

.010252 

38 

.00798 

.008507 

.00874 

.009739 

■00952 

.010517 

30 

.00829 

.008714 

.00910 

.009991 

■00993 

.010829 

40 

.00862 

.008939 

.00948 

.010288 

.01038 

.011163 

41 

.00898 

.009205 

.00991 

010605 

.OT087 

.011562 

42 

.00938 

.009489 

.01037 

.010984 

.01140 

.012000 

43 

.00981 

.009828 

.01088 

.011400 

.01199 

.012509 

44 

.01028 

.010200 

.01143 

.011884 

.01263 

.013106 

45 

.01080 

.010633 

.01204 

.012451 

•01333 

.013781 

46 

.01137 

.011140 

.01270 

.013092 

.01410 

.014541 

47 

.01199 

.011714 

•01343 

.013814 

•01403 

.015389 

48 

.01267 

.012360 

.01422 

.014620 

•01585 

•016333 

40 

.01341 

.0x3081 

.01509 

.015516 

.01685 

.017396 

50 

.01422 

.013883 

.01603 

.016526 

.01794 

.018571 

51 

.01510 

.01^787 

.01707 

.OT7642 

•OT913 

.019885 

52 

.01607 

•015785 

.01820 

.018891 

.02044 

•021335 

53 

.01713 

.016902 

•01943 

.020268 

.02186 

.022936 

54 

.01828 

.018135 

.02078 

.021789 

.02341 

.024720 

55 

•01 955 

.OT940^> 

.02226 

.023484 

.02511 

.02669  3 

5<'> 

.02092 

.02I0T2 

.•02387 

•025358 

.02697 

.028880 

57 

•02243 

.022689 

.02562 

•027436 

.02899 

.031292 

58 

.02408 

.024548 

.02754 

.029727 

.03121 

■033043 

50 

■02587 

.026598 

.02964 

.032246 

.03362 

•03^>«'^73 

60 

.02783 

.028852 

•03TO3 

•035029 

.03625 

.040129 

r)r 

.02997 

.031342 

.03442 

.038123 

.03912 

.043707 

62 

.0323  T 

.034110 

•03715 

.041522 

.04225 

.047647 

^'3 

.03486 

•0371 5  T 

.04012 

•045265 

•045'"'7 

.052002 

''>4 

•037^)4 

.040500 

•043  36 

.049402 

.04939 

.056762 

^>5 

.04068 

.044202 

.04689 

053924 

•05344 

.061993 

SELECT  RATES  OF  MORTALITY. 


Age  at 

Seventh  Year. 

Entry 

Am.  Ex. 

[x]. 

OLM] 

Sel.  &  Ult. 

20 

.00633 

.008130 

21 

.00643 

.008 1  (97 

22 

.00653 

.008264 

23 

.00664 

.008345 

24 

.00676 

.008427 

25 

.00690 

.008510 

26 

.00704 

.008607 

27 

.00720 

.008718 

28 

.00738 

.00883 1 

29 

.00757 

.008946- 

30 

.00778 

.009089 

3T 

.0080 1 

.009234 

3-' 

.00826 

.009408 

3.^ 

.00853 

.009586 

34 

.00883 

.009794 

35 

.00916 

.010008 

3^> 

•00<)52 

.010252 

37 

.00991 

.010517 

38 

.01034 

.010829 

39 

.01081 

.011163 

40 

.on  ^2 

.01 1562 

41 

.OTT 88 

.012000 

42 

.01249 

.012509 

43 

.01316 

.013106 

44 

.01389 

.013781 

45 

.01469 

•01454  r 

46 

•01557 

•or  5389 

47 

.01652 

•016333 

48 

•01757 

.017396 

49 

.01871 

.OT857T 

50 

•o  1 995 

.019885 

51 

.02132 

•021335 

52 

.02281 

.022936 

53 

.02443 

.024720 

54 

.0262 1 

.026693 

55 

.02814 

.028880 

5^^ 

.03026 

.031292 

57 

■o?,2S7 

•033943 

58 

.03^09 

•03^)873 

59 

.03784 

.040  T  29 

60 

.04084 

.043707 

61 

.0441  T 

•047<^'47 

62 

.047<')7 

.052002 

63 

•05155 

.056762 

64 

•05578 

.061993 

65 

.06039 

.067665 

Eighth  Year. 
Am.  Ex. 

OLMJ  Sel.  &  Ult. 

.00665  .008 1 97 

.00676  .008264 

.00688  .008345 

.00700  .008427 

.00714  .008510 

.00729  .008607 

.00746  .008718 

.00764  .00883 1 

.00784  .008946 

.00806  .009089 

.00829  .009234 

.00855  .oo()4o8 

.00884  .()0<)586 

.00915  .009794 

.00949  .010008 

.00986  .010252 

.01027  •010517 

.01071  .010829 

.01120  .011163 

.01173  .011562 

.01231  .07  2000 

.01294  .012509 

.0T364  .013106 

.01440  .013781 

.01523  .014541 

.01613  .015389 

.01712^  .016333 

.01821  .017396 

.019^9  .018:^71 

.02068  .019885 

.02210  .021335 

.02364  .022936 

.02532  .024720 

.02716  .026693 

.02917  .028880 

.03136  .031292 

■0337f>  ^033943 

•03*^^37  •03^^873 

.03922  .040129 

.04232  .043707 

.04571  .047647 

.04940  .052002 

.05342  .056762 

.05780  .061993 

.06257  .067665 

•06776  .073733 


Ninth  Year. 

Am.  Ex. 
Ol^J  Sel.  &  Ult. 

.{)()( )99  .008264 

.007 1  I  •008345 

.00724  .008427 

.00738  .008510 

.00754  .008607 

.00771  .008718 

.00789  .008831 

.00810  .008946 

.00832  .009089 

.00857  .009234 

.00883  .009408 

.00913  .009586 

.00945  ^009794 

.00980  .010008 

.oiorS  .010252 

.01060  .010517 

.01106  .010829 

.01156  .011163 

.01210  .011562 

.01270  .012000 

.01336  .012509 

.01407  .013106 

.01485  .013781 

.01571  .014541 

.01664  .015389 

.01766  .016333 

.01878  .017396 

.02000  .018571 

.02133  .019885 

.02278  .021335 

.02437  .022936 

.0261 T  ,024720 

.02800  .026693 

.03007  .028880 

.03233  .031292 

•03479  -033943 

•03748  -036873 

.04041  .040129 

.04361  .013707 

.04710  .047647 

.05089  .052002 

•05503  .056762 

.05954  .061993 

.06444  .067665 

.06(^78  .o7373.'^ 


•07558 


.080178 


SELECT   RATES   OF   MORTALITY. 


Age  at 

Tenth  Year. 

Eleventh  Year._ 

Entry 

Am.  Ex. 

Am.  Ex. 

[x]. 

OtM] 

Sel.  &  Ult. 

QM 

Sel.  &  Ult. 

20 

•00733 

•008345 

•00757 

.008427 

21 

.00746 

.0084^7 

.00772 

.008510 

22. 

.00761 

.008510 

.00788 

.008607 

23 

.00777 

.008607 

.00806 

.008718 

24 

.00794 

.008718 

.00825 

.008831 

25 

.00814 

.008831 

.00846 

.008946 

26 

.00834 

.008946 

.00870 

.009089 

-V 

.00857 

.009089 

.00895 

•009234 

28 

.00883 

•009234 

.00923 

.009408 

29 

.00910 

.009408 

•00953 

.009586 

30 

.00940 

.009586 

.00986 

•009794 

31 

.00973 

•009794 

.01022 

.oioooS 

32 

.01009 

.010008 

.01062 

.010252 

33 

.01048 

.010252 

.01105 

.010517 

34 

.01091 

.010517 

•01153 

.010829 

35 

.01138 

.010829 

.01205 

.011163 

36 

.01189 

.01 1 163 

.01261 

.011562 

37 

.01245 

.011562 

.01323 

.012000 

38 

.01306 

.012000 

.01391 

.012509 

39 

•01373 

.012509 

.01465 

.013106 

40 

.01447 

.013106 

.01546 

.013781 

41 

.01527 

.013781 

.01635 

.014541 

42 

.01614 

•014541 

.01731 

.015389 

43 

.01710 

.015389 

.01837 

•016333 

44 

.01815 

•016333 

•01953 

.017396 

45 

.01929 

.017396 

.02079 

.oi8vi 

46 

.02054 

.018571 

.02217 

.019885 

47 

.02190 

.019885 

•02367 

•021335 

48 

•02339 

•021335 

•02532 

.022936 

49 

.02502 

.022936 

.02711 

.024720 

50 

.02680 

.024720 

.02907 

.02669:5 

51 

.02874 

.02669^ 

.03 1 2 1 

.028880 

52 

.03086 

.028880 

•03355 

.03 1 292 

53 

•033 1 7 

.031292 

.03610 

•033043 

54 

•03569 

•033043 

.03888 

•036873 

55 

•03845 

•036873 

.04192 

.040129 

56 

•04T45 

.040129 

.04522 

•043707 

57 

.0447'2 

.043707 

.04883 

•047647 

58 

.04829 

•047647 

.05276 

.052002 

59 

.05218 

.052002 

•05704 

.056762 

60 

.05642 

.o-s^^^-jC^i 

.06169 

.o6i()()3 

61 

.06103 

.o6i()()^ 

.06676 

.067665 

62 

.06605 

.067665 

.07228 

■^7^7}^'^ 

63 

.07151 

•073733 

.07828 

.080178 

64 

•07745 

.080178 

.08479 

.087028 

65 

.08390 

.087028 

.09187 

.094371 

Si:i>i:c'i  AND  ULriMAiii  Ri:si:rvhs. 

'JMic  rates  of  mortality  assniiuM]  in  cMiiipntino-  these  reserves  are  as 
follows 

First   year  ..I"    insnran.-",    :>i)</f    "I"    tlic    ulliinati' 

Second   ••  ■•  (i^VV 

Thin!      •■  ••  7')% 

F.,urlh    •■  "  857o        '• 

Fiflli       •'  "  J)5% 

TlHTOfifter  "  100% 

The  ulliiiiate  rales  are  taken  as  llic  rates  aeei.rdiii.-i'  to  the  Ameri- 
■ean  Ex])erieiice  ^Pahle.  The  "Seleet  and  ritiuiate  Table"  on  this  basis, 
with  eonnimtatioii  eolumns  at  .".^  and  :\V/r ,  is  iiiveu  in  the  second 
edition  of  "T^raetieal  Lessons  in  Aetna  rial  Seieiiee,"  The  Spectator  Co., 
Xew  Yorl^. 

The  ,u-eneral  fornnihi  for  tci-niinal  reserves  by  the  select  and  nlti- 
mate   nietlio<l    is  as  follows: 

.A[x]    =      ^'^Ix]...—    ^\  hx],n 

in  whicli  all  the  values  are  from  tlie  select  portion  <d'  the  table  dnring 
tlie  tirst  live  years,  except  I'x  ,  which  is  always  from  the  ultimate 
tal)le. 

The  mean  reserves  are  com])nted  Ity  the  aencral  fornnila: 

This  method  charoes  the  comi.any  with  its  aetnal  liability,  as  nearly 
as  ])ossil)le,  allowin-  for  selection.  The  <dfect  .d"  it.  as  compared  with  the 
full  net  ].rendnm  reserves  by  the  usual  formula,  is  to  allow  the  gains 
from  mortalitv  during  the  first  five  years  as  an  offset  to  the  initial  ex- 
pense incurred  in  securing  these  fresh  lives.  The  amount  tbns  allowed 
is  shown  in  the  tirst  column  in  the  terminal  reserve  tables.  The 
minus  sign  indicates  that  at  that  ]»<.int  the  present  value  of  the  net 
])reminnis  by  the  ultimate  table  exceeds  the  in-esent  value  of  the  ■- 
fiurance  benetits  by  the  select  and  ultimate  table. 

After   the    Hfth   year   the   reserves,   both   terminal    and   mean, 
the  full  net  premium  reserves  by  the  usnal  fornnila. 

The  amount  of  provision  for  initial  expense,  including  the  load- 
ing on   the   first  year's  ]uvmlum,   afforded  by  this  method,  the  gross 


m- 


are 


SELECT   AND    ULTIM.\TE    RESERVES. 


preininnis  being  for  o^r,  tho.>^e  in  use  hy  tlio  Now  York  l.ifc  and 
other  eoni]ianies,  and  for  'd^/c  those  in  use  by  the  New  England  com- 
panies, is  given  for  certain  selected  plans,  at  age  35,  in  the  following 
tables : 


3% 

ri.ui. 

Preniimn. 

Loading. 

Allowed. 

Life, 

28.11 

7.03 

10.75 

Life, 

20  r., 

38.34 

8.49 

10.. 52 

Life, 

ir.  v.. 

45.91 

9.57 

10.37 

Life, 

10  p.. 

01.53 

11.80 

10.02 

End. 

20  Years, 

52.47 

10.50 

10.21 

End. 

15  Years, 

70.50 

13.08 

9.86 

End. 

10  Y'ears. 

107.70 

1  8.40 

y4% 

9.04 

PliUl, 

Premium. 

Loading. 

Allowed, 

Life, 

27.30 

7.39 

10.67 

Life, 

20   P., 

3(') .  00 

8.60 

10.48 

Life, 

15   P., 

42 .  GO 

9.55 

10.34 

Life, 

10   P., 

5G.30 

11.52 

10.01 

End. 

20  Years, 

50.80 

10.68 

10.16 

End. 

15  Years, 

68.60 

13.23 

9.79 

End. 

10  Years, 

105.60 

18.58 

S.93 

Total. 

Per  cent. 

17.78 

.63 

19.01 

.50 

19.94 

.44 

21.82 

.36 

20.71 

.40 

22.94 

.33 

27.44 

.24 

'I'otal. 

Per 

eent. 

18.06 

.66 

19.08 

.53 

19.89 

.47 

21.53 

.39 

20.84 

.41 

23.02 

.34 

27.51 

.26 

Thaf  the  ratios  oni])l()yed  in  computing  the  mortality  for  the  select 
portion  of  this  table  are  conservative  and  safe  is  indicated  by  the 
following  ratios,  computed  by  Mr.  Arthur  Hunter,  A.I.A.,  and  pub- 
lished in  Vol.  VIII,  p.  127,  of  the  Transactions  of  the  Actuarial 
Society  of  America : 

RATIO  OF  ACTUAL  TO  EXPECTED  DEATHS  BY  THE  AMERICAN  RATE 


OF 

MORTALITY. 

Actuarial 

Aggregate 

Society's 

Experience 

Excess 

[nsurance 

Specialized 

British 

of  Specialized 

Years. 

Investigation. 

Ofliccs. 

over   Br.   OflBces. 

1 

54% 

43% 

117o 

2 

71% 

63% 

8% 

3 

76% 

71% 

5% 

4 

80% 

77% 

3% 

5 

85% 

82% 

3% 

The  ratios  entitled  "Actuarial  Society's  Specialized  Investigation" 
were  deduced  from  lives  for  the  most  part  deemed  defective  in  some 
regard,  but,  notwithstanding,  arc  on  the  average  not  far  from  these 
ratios.  The  ratios  entitled  "Aggregate  Experience  British  Offices"  are 
from  select  lives  and  in  every  case  are  enough  lower  than  the  ratios 
employed,  to  assure  that  they  afford  a  margin  for  safety. 


AMERICAN  EXPERIENCE  TABLE. 
SELECT  AND  ULTIMATE  VALUES. 


3% 


3% 


SELECT  AND  ULTIMATE. 
NET  SINGLE  I^KEMIU^rS,  LIFE. 


Age. 

20 
21 
22 
23 
24 
25 
2U 
27 
28 
29 
30 
31 
32 
33 
34 
35 
36 
37 
38 
39 
40 
41 
42 
43 
44 
45 
46 
47 
48 
49 
50 
51 
52 
53 
54 
55 
56 
57 
58 
59 
60 
61 
62 
63 
64 
65 
66 
67 


I XI. 
324. 6G 
329.40 
334.30 
339.38 
344.58 
349.95 
355.49 
361 . 20 
367.10 
373.16 
379.41 
385.86 
392.53 
399 . 38 
406.42 
413.64 
421.11 
428.78 
436.66 
444.75 
453.07 
461.57 
470.32 
479.32 
488.51 
497.90 
507.50 
517.31 
527.29 
537.43 
547.72 
558.17 
568.75 
579.42 
590.20 
601.08 
611.98 
622.95 
633.94 
644.94 
655.92 
666.88 
677.78 
688.60 
699.33 
709.97 
720.43 
730.77 
740.80 
750.90 
760.64 


[X]   :   I 

331.78 
336.70 
341.74 
346.94 
352.32 
357.85 
363.57 
369.45 
375 . 53 
381.78 
388.22 
394.88 
401.72 
408.77 
416. 03 
423.47 
431.17 
439.05 
447.15 
455.47 
464.01 
472.79 
481.80 
491.04 
500.46 
510.08 
519.95 
530.02 
540.22 
550.62 
561.14 
571.81 
582.60 
593.50 
604.49 
615.52 
626.63 
637.76 
648.93 
660.07 
671.21 
682.28 
693.31 
704.24 
715.06 
725 . 75 
736.27 
746.66 
756.69 
766.80 
776.50 


ixi  ■■ 

338.37 

343.40 

348.61 

353.97 

359.53 

365.25 

371.12 

377.18 

383.45 

389.89 

396.52 

403.39 

410.41 

417.69 

425.16 

432.83 

440.72 

448.87 

4.57.20 

465.74 

474.50 

483.54 

492.79 

502.25 

511.92 

521.81 

531.90 

542.18 

552.62 

563.21 

573.96 

.584.80 

595.79 

606.86 

()17.99 

629.19 

640.44 

651.72 

662.96 

674.23 

685.44 

696.59 

707.67 

718.62 

729.46 

740.13 

750.65 

760.99 

770.97 

780.96 

790.62 


1X1  :  :i. 
344.63 
349.83 
355.19 
360.73 
366,45 
372.33 
378.39 
384.64 
391.10 
397.75 
404.59 
411.62 
418.88 
426.35 
4.34.07 
441.95 
450.06 
458.44 
467.00 
475.75 
484.80 
494.05 
503.54 
513.24 
523.15 
533.26 
543.55 
.554.06 
564.70 
575.49 
586.39 
597.43 
608.56 
619.75 
631.03 
642.38 
653.72 
665.04 
676.39 
687.70 
698.94 
710.10 
721.19 
732.12 
742.92 
753 . 53 
763.99 
774.19 
784.04 
793.94 
803.47 


[XJ  -  4 
350.57 
355.93 
361.46 
367.19 
373.05 
379.16 
385.39 
391.82 
398.50 
405.34 
412.36 
419.63 
427.10 
434.80 
442.70 
450.81 
459.18 
467.72 
476.54 
485.. 59 
494.83 
504.32 
514.03 
523.97 
534.08 
544.41 
554.92 
565.60 
576.41 
587.34 
598.41 
609.59 
620.81 
632.14 
643.52 
6.54.91 
666.30 
677.69 
689.05 
700.36 
711.59 
722.72 
733.74 
744.. 58 
755.30 
765.79 
776.09 
786.14 
795.96 
805.58 
814.95 


10 


H 


SELECT  AND  ULTIMATE. 
O  IMMEDIATE  LIFE  ANNUITIES  DUE. 


Age. 

[XI. 

[X]  +  X. 

[X]  ^  3. 

[X]  +  3. 

IX]  ^  4. 

20 

23.186 

22.941 

22.717 

22.500 

22.297 

21 

23.024 

22.775 

22.544 

22.322 

22.113 

22 

22.856 

22.601 

22.364 

22.138 

21.923 

23 

22.G81 

22.421 

22.179 

21.948 

21.727 

24 

22.503 

22.2.37 

21.989 

21.752 

21.524 

25 

22.319 

22.047 

21.794 

21.550 

21.316 

26 

22.128 

21.851 

21.592 

21.342 

21.102 

27 

21.933 

21.649 

21.383 

21.127 

20.880 

28 

21.730 

21.441 

21.169 

20.905 

20.051 

29 

21.521 

21.226 

20.946 

20.677 

20.417 

30 

21.306 

21.004 

20.719 

20.442 

20.176 

31 

21.085 

20.776 

20.484 

20.200 

19.926 

32 

20.857 

20.541 

20.243 

19.952 

19.670 

33 

20.622 

20.299 

19.993 

19.695 

19.406 

34 

20.380 

20.050 

19.736 

19.431 

19.134 

35 

20.131 

19.794 

19.473 

19.100 

18.855 

36 

19.875 

19.531 

19.201 

18.881 

18.568 

37 

19.612 

19.260 

18.923 

18.595 

18.274 

38 

19.341 

18.981 

18.637 

18.300 

17.972 

39 

19.063 

18.095 

18.344 

17.999 

17.062 

40 

18.778 

18.402 

18.041 

17.088 

17.344 

41 

18.485 

18.101 

17.732 

17.371 

17.018 

42 

18.185 

17.791 

17.415 

17.046 

16.685 

43 

17.877 

17.475 

17.090 

16.712 

16.344 

44 

17.562 

17.151 

10.757 

16.372 

15.997 

45 

17.239 

10.820 

16.418 

16.025 

15.641 

46 

16.909 

16.482 

16.072 

15.671 

15.281 

47 

16.573 

16.137 

15.719 

15.311 

14.915 

48 

16.230 

15.785 

15.360 

14.945 

14.544 

49 

15.882 

15.429 

14.996 

14.575 

14.108 

50 

15.528 

15.008 

14.028 

14.200 

13.788 

51 

15.169 

14.702 

14.254 

13.822 

13.405 

52 

14.807 

14.331 

13.878 

13.440 

13.018 

53 

14.440 

13.957 

13.499 

13.054 

12.630 

54 

14.070 

13.580 

13.115 

12.668 

12.240 

55 

13.697 

13.200 

12.731 

12.279 

11.849 

56 

13.322 

12.819 

12.345 

11.889 

11.456 

57 

12.945 

12.437 

11.958 

11.500 

11.066 

58 

12.568 

12.054 

11.571 

11.111 

10.676 

59 

12.191 

11.071 

11.185 

10.723 

10.288 

CO 

11.814 

11.289 

10.800 

10.336 

9.902 

01 

11.437 

10.908 

10.417 

9.953 

9.520 

62 

11.063 

10 . 530 

10.037 

9.573 

9.142 

63 

10.692 

10.155 

9.001 

9.198 

8.709 

64 

10.323 

9.783 

9.289 

8.827 

8.402 

65 

9.958 

9.416 

8.922 

8.462 

8.041 

66 

9.598 

9.054 

8.561 

8.104 

7.688 

67 

9.244 

8.698 

8.206 

7.753 

7.342 

68 

8.897 

8.349 

7.860 

7.411 

7.005 

-69 

8.553 

8.007 

7.520 

7.075 

6.675 

70 

8.219 

7.673 

7.192 

0.748 

6.3.'53 

11 


3% 


SELECT  AND  ULTIMATE. 

TEEMINAL  RESERVES. 

ORDINARY  LIFE. 


Age. 

0 

1   Year. 

2   Years. 

3   Ycar.s, 

4   Yenr.s. 

5   Years. 

20 

—9.38 

1.27 

11.08 

20.47 

29.. ^4 

37.73 

21 

-9.45 

1.52 

11.62 

21.31 

30.49 

39.20 

22 

—9.52 

1.77 

12.19 

22.17 

31.68 

40.73 

23 

-9.53 

2.03 

12.78 

23.10 

32.96 

42.33 

24 

—9.61 

2.31 

13.42 

24.08 

34.26 

44.01 

25 

-9.69 

2.59 

14.07 

25.08 

35.68 

45.76 

26 

-9.76 

2.89 

14.73 

26.12 

37.08 

47.58 

27 

-9.86 

3.20 

15.42 

27.21 

38.56 

48.49 

28 

-9.92 

3.52 

16.16 

28.38 

40.18 

51.48 

29 

-10.03 

3.86 

10.94 

29.60 

41.81 

53.56 

30 

—10.14 

4.20 

17.72 

30.84 

43.48 

55.73 

31 

-10.24 

4.59 

18.59 

32.14 

45.31 

58.01 

32 

—10.33 

4.97 

19.43 

33.52 

47.18 

60.39 

33 

—10.44 

5.37 

20.38 

34.96 

49.15 

62.87 

34 

—10.59 

5.78 

21.34 

36.49 

51.20 

65.46 

35 

-10.75 

6.19 

22.32 

38.04 

53.33 

68.16 

36 

—10.90 

6.65 

23.36 

39.60 

55.58 

70.97 

37 

-11.09 

7.09 

24.47 

41.40 

57.87 

73.91 

38 

-11.29 

7.55 

25.57 

43.17 

60.31 

76.98 

39 

-11.52 

8.02 

26.70 

44.97 

62.85 

80.20 

40 

—11.78 

8.49 

27.91 

40.95 

65.49 

83.54 

41 

-12.06 

9.01 

29.21 

48.98 

68.28 

87.04 

42 

—12.36 

9.56 

30.55 

51.09 

71.16 

90.65 

43 

-12.66 

10.11 

31.92 

53.32 

74.17 

94.40 

44 

—13.07 

10.60 

33.32 

55 .  55 

77.20 

98.25 

45 

-13.50 

11.13 

34.79 

57.89 

80.42 

102.20 

46 

—13.90 

11.63 

36.23 

60.25 

83.64 

100.21 

47 

-14.55 

12.14 

37.72 

62.69 

86.94 

110.31 

48 

—15.22 

12.59 

39.19 

65.14 

90.28 

114.47 

49 

—15.98 

12.98 

40.60 

67.61 

93.05 

118.69 

50 

—16.85 

13.30 

42.13 

70 .  09 

97.10 

122.99 

51 

—17.77 

13.61 

43.58 

72.63 

100.03 

127.37 

52 

-18.82 

13.92 

45.06 

75.24 

104.23 

131.82 

53 

—20.00 

14 .  15 

40.52 

77.85 

107.85 

136.35 

54 

-21.29 

14.29 

47.98 

80.48 

111.57 

140.95 

55 

—22.67 

14.36 

49.41 

83.18 

115.30 

145.61 

56 

-24.29 

14.41 

50.84 

85.87 

119.13 

1.50.33 

57 

—26.01 

14.27 

52.25 

88.54 

122.  IK" 

155.09 

58 

—27.93 

14.14 

53.59 

91.24 

126.83 

1.59.90 

59 

—30.07 

13.85 

54.90 

93.96 

i:;o.7i 

164.73 

60 

—32.42 

13.43 

56.17 

96.67 

134.04 

169.58 

61 

-34.96 

12.92 

57.36 

99.35 

138.55 

174.43 

62 

—37.79 

12.24 

58.47 

102.01 

142.44 

170.25 

63 

-^0.91 

11.39 

59.46 

104.57 

146.28 

184.03 

64 

-44.27 

10.35 

60.35 

107.11 

150.10 

188.71 

65 

-47.98 

9.08 

61.07 

109.48 

153.76 

193.29 

12 

SELECT  AND  ULTIMATE. 
Q%  TERMINAL  EESERVES. 

^  ^  TWENTY -PAYMENT  LIFE. 


Ase. 

0 

1  Year. 

2  Years. 

.•5  Years. 

4  Years. 

5  Years. 

20 

—9.19 

10.49 

29.68 

48.75 

67.73 

86.62 

21 

-9.26 

10.78 

30.27 

49.70 

69.02 

88.29 

22 

-9.31 

11.06 

30.91 

50.68 

70.35 

90.01 

23 

-9.35 

11.35 

31.56 

51.70 

71.78 

91.78 

24 

—9.42 

11.66 

32.26 

52.76 

73.19 

93.61 

25 

-9.48 

11.97 

32.97 

53.86 

74.72 

95.49 

26 

—9.57 

12.28 

33.65 

54.94 

76.20 

97.42 

27 

-9.64 

12.61 

34.39 

56.09 

77.76 

99.42 

28 

—9.73 

12.94 

35.14 

57.28 

79.40 

101.47 

29 

-9.83 

13.28 

35.91 

58.50 

81.05 

103.57 

30 

-9.93 

13.63 

36.70 

59.76 

82.74 

105.74 

31 

-10.02 

14.02 

37.56 

61.07 

84.52 

107.98 

32 

—10.11 

14.36 

38.35 

62.34 

86.32 

110.26 

33 

-10.22 

14.74 

39.25 

63.71 

88.18 

112.62 

34 

—10.36 

15.14 

40.15 

65.15 

90.10 

115.03 

35 

-10.52 

15.50 

41.05 

66.56 

92.05 

117.52 

3G 

—10.69 

15.89 

41.97 

68.00 

94.05 

120.05 

37 

-10.87 

16.25 

42.93 

69.56 

96.07 

122.66 

38 

—11.06 

16.65 

43.90 

71.08 

98.22 

125.34 

39 

-11.28 

17.04 

44.87 

72.62 

100.41 

128.10 

40 

—11.54 

17.42 

45.87 

74.28 

102.64 

130.92 

41 

-11.82 

17.84 

46.95 

75.99 

104.94 

133.82 

42 

—12.11 

18.24 

48.03 

77.71 

107.31 

136.77 

43 

-12.43 

18.66 

49.09 

79.46 

109.70 

139.78 

44 

—12.82 

19.00 

50.18 

81.23 

112.10 

142.81 

45 

—13.24 

19.33 

51.28 

83.02 

114.58 

145.86 

46 

-13.73 

19.66 

52.35 

84.82 

117.05 

148.90 

47 

-14.30 

19.97 

53.43 

86.64 

119.50 

151.93 

48 

—14.95 

20.21 

54.47 

88.40 

121.92 

154.94 

49 

—15.70 

20.37 

55.46 

90.15 

124.33 

157.93 

50 

—16.57 

20.45 

56.40 

91.85 

126.71 

160.90 

51 

—17.51 

20.49 

57.33 

93.56 

129.13 

163.87 

52 

—18.51 

20.50 

58.23 

95.25 

131.50 

166.82 

53 

-19.69 

20.40 

59.06 

96.91 

133.90 

169.76 

54 

—20.98 

20.27 

59.89 

98.62 

136.31 

172.69 

55 

-22.37 

20.04 

60.63 

100.25 

138.67 

175.61 

56 

—23.97 

19.67 

61.32 

101.88 

141.01 

178.51 

57 

-25.70 

19.22 

62.05 

103.47 

143.35 

181.40 

r>s 

-27.61 

18.73 

62.66 

105.08 

145.70 

184.26 

r.i» 

-29.76 

18.05 

63.22 

106.63 

148.02 

187.10 

«JU 

-32.08 

17.28 

63.68 

108.13 

150.34 

189.91 

3% 


SELECT  AXJ)    I  J.TLMATE. 

TEKMINAL  KESEKA  ES. 
FIETEEN-PAYMENT  LIFE. 


Age. 

0 

1  Year. 

a  Yeai!«. 

3  Y.ais. 

1  V<11IN. 

.-,  \i»,H. 

20 

—9.06 

15.97 

40.76 

65.62 

90. 02 

115. 7.S 

21 

-9.14 

10.36 

41.51 

66.81 

92.23 

117.86 

22 

-9.19 

16.71 

42.31 

68.03 

93.91 

120.00 

23 

-9.23 

17.08 

43.11 

69.30 

95.65 

122 . 20 

24 

—9.30 

17.48 

43.98 

70.61 

97.42 

124.48 

25 

-9.37 

17.86 

44.85 

71.96 

99.29 

126.81 

26 

-9.4:: 

18.28 

45.73 

73.33 

101.15 

129.21 

27 

-9.52 

18.70 

46.64 

74.75 

103.08 

131.69 

2S 

-9.-59 

19.12 

47.59 

76.23 

105.12 

134.2:^ 

20 

-9.68 

19.56 

48.56 

77.74 

107.17 

1.36.84 

30 

-9.79 

20.00 

49.53 

79.29 

109.25 

139.53 

31 

-9.SS 

20.48 

50.58 

80.91 

111.44 

142.29 

32 

-9.97 

20.93 

51.58 

82.48 

113.66 

145.12 

33 

-10.08 

21.41 

52.68 

84.17 

115.95 

148.02 

34 

-10.21 

21.90 

53.79 

85.91 

118.29 

150.98 

35 

-10.37 

22.37 

54.89 

87.65 

120.66 

154.03 

30 

—10.51 

22.88 

56.04 

89.43 

123.14 

157.13 

37 

—10.70 

23.37 

57.22 

91.29 

125.61 

160.31 

3S 

—10.88 

23.86 

58.39 

93.15 

128.19 

163.55 

39 

—11.09 

24.36 

59.57 

95.02 

130.82 

166.88 

40 

—11.33 

24.84 

60.80 

97.01 

133.48 

170.27 

41 

—11.64 

25.34 

62.06 

99.00 

136.20 

173.73 

42 

—11.91 

25.87 

63.33 

101.02 

138.99 

177.24 

43 

—12.20 

26.36 

64.63 

103.11 

141.81 

180.79 

44 

—12.. 58 

26.81 

65.90 

105.18 

144.63 

184.37 

45 

—13 .  00 

27.24 

67.18 

107.25 

147.51 

187.93 

46 

—13.49 

27.67 

68.46 

109.35 

150.34 

191.48 

47 

—14.00 

28.09 

69.70 

111.41 

153.16 

194.99 

4S 

—14.66 

28.40 

70.87 

113.40 

155.95 

198.45 

49 

-15.41 

28.62 

72.00 

115.35 

158.62 

201.85 

50 

-16.23 

28.75 

73.06 

117.23 

161.30 

205.19 

51 

—17.14 

28.86 

74.08 

119.10 

163.91 

208.47 

52 

-18.17 

28.91 

75.04 

120.92 

166.44 

211.66 

53 

—19.31 

28.84 

75.93 

122.62 

168.95 

214.77 

54 

-20.57 

28.68 

76.76 

124.33 

171.39 

217.79 

55 

—21.91 

28.45 

77.48 

125.96 

173.72 

220.71 

56 

-23.51 

28.14 

78.12 

127.47 

175.96 

223.50 

57 

—25.21 

27.63 

78.71 

128.87 

178.08 

226.17 

58 

-27.12 

27.05 

79.15 

130.23 

180.13 

228.71 

59 

-29.17 

26.27 

79.50 

131.46 

182.04 

231.10 

60 

-31.48 

25.39 

79.71 

132.57 

183.85 

233.33 

61 

-24.01 

24.26 

79.80 

133.57 

185.50 

235.37 

62 

-36.83 

23.04 

79.70 

134.43 

186.99 

237.21 

63 

-39.92 

21.59 

79.46 

135.09 

188.30 

238.80 

64 

-43.28 

19.91 

79.03 

135.62 

189.43 

240.12 

65 

-46.98 

17.95 

78.36 

135.91 

190.26 

241.13 

14 

3  SELECT  AND  ULTIMATE. 

(Mj  TERMINAL  RESERVES. 

TEN-PAYMENT  LIFE. 


Agre. 

O 

1  Year. 

a  Years. 

3  Years. 

4  Years. 

6  Years. 

20 

-8.85 

27.20 

63.37 

100.05 

137.34 

175.30 

21 

-8.91 

27.74 

64.44 

101.73 

139.62 

178.23 

22 

-8.96 

28.25 

65.57 

103.46 

141.98 

181.24 

23 

-8.97 

28.81 

66.73 

105.26 

144.45 

184.35 

24 

—9.04 

29.37 

67.94 

107.10 

146.93 

187.56 

25 

-9.10 

29.94 

69.18 

109.01 

149.57 

190.85 

26 

—9.18 

30.53 

70.43 

110.94 

152.19 

194.24 

27 

-9.26 

31.14 

71.71 

112.94 

154.91 

197.74 

28 

—9.31 

31.77 

73.07 

115.03 

157.78 

201.34 

29 

-9.39 

32.41 

74.44 

117.17 

160.67 

205.03 

30 

—9.49 

33.07 

75.83 

119.38 

163.63 

208.83 

31 

-9.58 

33.73 

77.31 

121.58 

166.70 

212.73 

32 

—9.67 

34.43 

78.76 

123.89 

169.84 

216.74 

33 

-9.76 

35.14 

80.32 

126.26 

173.10 

220.85 

34 

—9.88 

35.88 

81.89 

128.73 

176.40 

225.06 

35 

—10.02 

36.58 

83.48 

131.20 

179.78 

229.38 

36 

—10.16 

37.33 

85.11 

133.70 

183.27 

233.79 

37 

-10.35 

38.06 

86.79 

136.33 

186.77 

238.31 

38 

—10.49 

38.81 

88.49 

138.97 

190.43 

242.93 

39 

—10.71 

39.58 

90.19 

141.64 

194.14 

247.65 

40 

-10.94 

40.34 

91.91 

144.42 

197.90 

252.46 

41 

—11.20 

41.11 

93.75 

147.24 

201.75 

257.37 

42 

—11.45 

41.89 

95.54 

150.12 

205.68 

262.35 

43 

—11.75 

42.69 

97.45 

153.05 

209.67 

267.39 

44 

—12.08 

43.41 

99.26 

155.94 

213.66 

272.49 

45 

—12.51 

44.14 

101.09 

158.90 

217.70 

277.61 

4G 

—12.95 

44.87 

102.94 

161.84 

221.75 

282.72 

47 

-13.44 

45.55 

104.73 

164.80 

22.-).  78 

287.83 

48 

—14.02 

46.15 

106.52 

167.67 

229.77 

292.89 

49 

—14.75 

46.70 

108.16 

170.49 

233.68 

297.91 

50 

—15.53 

47.16 

109.84 

173.28 

237.57 

302.88 

51 

-16.38 

47.56 

111.42 

176.02 

241.43 

307.77 

52 

—17.33 

47.88 

112.94 

178.07 

245.20 

312.57 

53 

—18.43 

48.11 

114.37 

181.21 

248.79 

317.27 

54 

—19.62 

48.24 

115.71 

183.70 

2.52.36 

321.83 

55 

—20.88 

48.29 

116.94 

186.10 

2.55.78 

326.25 

56 

—22.36 

48.18 

118.04 

188.32 

259.04 

330.50 

57 

—23.95 

47.94 

119.05 

190.38 

262.15 

334.55 

58 

—25.74 

47.58 

119.80 

192.33 

265.08 

3.38.38 

59 

-27.71 

47.03 

120.56 

104.08 

267.79 

341.96 

t;o 

-29.88 

46.31 

121.04 

19.-).  62 

270.29 

345.28 

<n 

—32.29 

45.38 

121.32 

196.97 

272.. 53 

348.29 

62 

-34.94 

44.24 

121.41 

198.08 

274.48 

.350.98 

63 

—37.87 

42.91 

121.25 

198.92 

276.12 

353.29 

64 

—41.06 

41.29 

120.83 

199.48 

277.46 

3.55.18 

65 

-44.55 

39.38 

120.12 

199.71 

278.37 

356.60 

15 


3% 


SELECT  AND  ULTIMATE. 

TERMINAL  EESERVES. 

TWENTY- YEAH  ENDOWMENT. 


Agre. 

o 

1  Year. 

2  Years. 

3  Yearn. 

4  Yearn. 

5  Yeara. 

20 

-8. 82 

29.12 

(57.23 

105.94 

14.-..  :n 

185.47 

21 

-8.89 

29.09 

67.19 

105.90 

145.28 

185.44 

22 

-8.95 

29.01 

67.17 

105.87 

145.25 

185.42 

23 

-8.98 

29.03 

67.15 

105.90 

145.31 

185.41 

24 

-9.05 

28.97 

67.12 

105.85 

145.24 

185.40 

25 

-9.13 

28.90 

67.10 

105.84 

145.26 

185.39 

2G 

-9.20 

28.83 

67.06 

105.82 

145.24 

185.37 

27 

-9.30 

28.80 

67.05 

105.82 

145.24 

185.37 

28 

-9.39 

28.70 

67.02 

105.80 

145.27 

185.38 

29 

-9.46 

28.70 

66.98 

105.81 

145.27 

185.39 

30 

-9.59 

28.66 

66.96 

105.80 

145.27 

185.40 

31 

-9.70 

28.60 

66.98 

105.83 

145.28 

185.44 

32 

-9.81 

28.50 

66.92 

105.80 

145.34 

185.48 

33 

-9.92 

28.50 

66.90 

105.87 

145 . 37 

185.54 

34 

-10.07 

28.42 

66.91 

105.93 

145.45 

185.61 

35 

—10.21 

28.35 

66.92 

105.93 

145.50 

185.71 

36 

-10.39 

28.28 

66.95 

106.02 

145.61 

185.82 

37 

—10.57 

28.22 

66.91 

106.14 

145.74 

185.97 

38 

-10.79 

28.12 

66.95 

106.19 

145.94 

180.15 

39 

—10.98 

28.03 

66.96 

106.30 

146.07 

186.39 

40 

-11.28 

27.96 

67.03 

106.48 

146.33 

180.67 

41 

—11.56 

27.86 

67.08 

106.67 

146.59 

187.01 

42 

-11.81 

27.76 

67.17 

106.89 

146.96 

187.38 

43 

—12.16 

27.70 

67.29 

107.14 

147.32 

187.80 

44 

-12.55 

27.55 

67.36 

107.43 

147.69 

188.25 

45 

-12.99 

27.41 

67.47 

107.70 

148.15 

188.73 

46 

-13.51 

27.22 

67.55 

108.02 

148.53 

189.21 

47 

—14.03 

27.06 

67.70 

108.37 

149.02 

189.71 

48 

-14.70 

26.83 

67.75 

108.66 

149.50 

190.21 

49 

—15.51 

26.51 

67.81 

108.97 

149.95 

190.73 

50 

-16.35 

26.16 

67.82 

109.28 

150.42 

191.27 

51 

—17.31 

25.75 

67.85 

109.59 

150.96 

191.86 

52 

-18.31 

25.31 

67.85 

109.95 

151.53 

192.50 

53 

-19.49 

24.80 

67.84 

110.30 

152.18 

193.20 

54 

—20.79 

24.25 

67.85 

110.77 

152.85 

193.90 

55 

-22.18 

23.64 

67.80 

111.16 

153.59 

194.80 

56 

—23.77 

22.90 

67.73 

111.65 

154.38 

195.70 

57 

-25.53 

22.09 

67.73 

112.15 

155.20 

190.68 

58 

—27.46 

21.25 

67.65 

112.71 

156.10 

197.74 

59 

-29.62 

20.25 

67.58 

113.28 

157.09 

198.80 

60 

-31.95 

19.17 

67.41 

113.83 

158.17 

200.07 

16 

SELECT  AND  ULTIMATE. 
3%  TERMINAL  RESERVES. 

^  ^  FIFTEEN -YEAR  ENDOWMENT. 


Aee. 

o 

1  Year. 

2  Year.s. 

:i   Years. 

4  Years. 

.")  Years. 

20 

-8.47 

45.73 

100.70 

150.92 

214.48 

273.58 

21 

—8.53 

45.75 

100.00 

150.87 

214.44 

273.53 

22 

-8.59 

45.66 

100.01 

150.81 

214.41 

273.48 

23 

-8.G3 

45.60 

100.57 

150.78 

214.30 

273.43 

24 

-8.72 

45 .  55 

100.50 

150.75 

214.32 

273.38 

25 

—8.79 

45.48 

100.48 

150.71 

214.26 

273.32 

26 

-8.8G 

45.42 

100.41 

156.63 

214.20 

273.26 

27 

—8.94 

45.39 

100.39 

156.60 

214.15 

273.21 

28 

—9.01 

45.. 34 

100.34 

1.56.59 

214.14 

273.15 

29 

-9.13 

45.24 

100.28 

156.49 

214.08 

273.08 

30 

—9.19 

45.19 

100.25 

156.48 

214.06 

273.02 

31 

—9.34 

45.10 

100.10 

1.56.44 

213.97 

272.96 

32 

-9.45 

44.99 

100.09 

156.30 

213.92 

272.88 

33 

—9.55 

44.91 

100.04 

156.29 

213.85 

272.81 

34 

-9.GS 

44.83 

99.98 

156.24 

213.79 

272.74 

35 

—9. 86 

44.75 

99.89 

156.18 

213.70 

272.66 

36 

—10.01 

44.60 

99.83 

150.13 

213.00 

272.57 

37 

—10.20 

44.50 

99.75 

156.00 

213.02 

272.50 

38 

-10.39 

44.35 

99.63 

155.99 

213.. 50 

272.42 

39 

—10.59 

44.20 

99.57 

155.93 

213.49 

272.37 

40 

-10.84 

44.08 

99.49 

155.91 

213.47 

272.31 

41 

—11.09 

43.89 

99.41 

155.90 

213.45 

272.28 

42 

—11.41 

43.77 

99.30 

155.83 

213.39 

272.25 

43 

-11.05 

43.01 

99.20 

155.82 

213.44 

272.22 

44 

—12.11 

43.32 

99.15 

155.78 

213.39 

272.18 

45 

—12.49 

43.12 

99.00 

155.73 

213.43 

272.11 

4(; 

—13.03 

42.81 

98.89 

155.70 

213.31 

271.99 

47 

—13.53 

42.56 

98.70 

155.03 

213.26 

271.84 

48 

—14.20 

42.19 

98.48 

155.44 

213.15 

271.62 

49 

—14.93 

41.73 

98.24 

155.24 

212.97 

271.36 

50 

—15.72 

41.10 

97.88 

154.98 

212.73 

271.04 

51 

-10.01 

40.55 

97.49 

1.54 .  74 

212.47 

270.08 

52 

—17.70 

39.90 

97.03 

154.48 

212.13 

270.26 

53 

—18.83 

39.16 

96.50 

154.08 

211.80 

209.80 

54 

-20.11 

38.33 

90.03 

153.71 

211.47 

269.29 

55 

—21.43 

37.47 

95.45 

153.32 

211.05 

268.74 

50 

—23.03 

36.49 

94.79 

152.85 

210.63 

268.13 

57 

-24.72 

35.39 

94.09 

152.32 

210.12 

267.48 

58 

—20.03 

34.20 

93.30 

151.77 

209 . 02 

266.77 

59 

-28.71 

32.79 

92.41 

151.17 

209.09 

266.01 

CO 

-;ii.02 

31.35 

91.48 

150.52 

208.45 

265.19 

17 


3% 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 

TEN-YEAR  ENDOWMENT. 


Agre.  O  1  Year.  2  Yearn.  3  Years.  4  Yearn.   C  Yearn. 

20  —7.80       79.62  169.03  260.90  355.66  4.^3.42 

21  —7.86       79.57  168.98  260.91  355.58  453.37 

22  -7.89       79.54  168.91  260.85  355.52  453.31 

23  —7.94       79.48  168.91  260.81  355.49  453.25 

24  —8,01       79.42  108.87  200.75  355.43  453.19 

25  —8.05       79.38  168.80  260.71  355.39  453.12 

26  -8.12       79.29  168.72  260.01  355.33  453.05 

27  —8.23       79.25  168.61  260.54  3.55.21  4.52.97 

28  -8.28  79.18  108.59  200.50  355.18  452.90 

29  —8.37       79.12  168.51  260.43  355.11  452.80 

30  —8.45  79.05  168.43  260.36  355.03  452.71 

31  —8.53  78.93  168.40  200.30  354.91  452.61 

32  —8.68  78.87  168.26  260.18  354.83  452.51 

33  —8.75  78.79  168.19  260.12  354.75  452.39 

34  —8.88  78.69  168.08  260.03  354.62  452.26 

35  —9.04  78.57  167.98  259.89  354.48  452.13 

36  —9.15  78.41  167.86  259.73  354.38  451.97 

37  —9.38  78.28  167.75  2.59.61  354.23  451.80 

38  —9.52  78.11  167.59  259.44  354.04  4.51.61 

39  —9.71  78.02  167.42  2.59.28  353.87  451.42 

40  —9.97  77.79  167.26  259.16  353.69  4.51.21 

41  —10.18  77.58  167.12  2.58.99  353.53  450.99 

42  —10.43  77.37  166.85  2.58.78  353.29  450.75 

43  —10.73  77.19  106.69  258.59  353.08  4.50.48 

44  —11.09  76.87  166.49  2.58.34  352.79  450.18 

45  —11.50  76.59  166.21  258.08  352.54  449.83 

46  —11.94  76.26  165.90  257.84  352.17  449.41 

47  —12.42  75.83  165.55  2.57.43  351.80  448.93 

48  —13.01  75.40  165.19  2.57.01  351.33  448.37 

49  —13.73  74.90  164.64  2.56.55  350.75  447.72 

50  —14.48  74.28  164.12  2.55.92  350.10  440.99 

51  —15.29  73.57  163.50  2.55.30  349.44  446.16 

52  —16.24  72.83  162.77  254.02  348.70  445.24 

53  —17.35  71.98  102.01  253.79  347.69  444.20 

54  —18.49  70.99  161.10  252.89  346.71  443.06 

55  —19.73  69.96  160.12  251.90  345.61  441.79 

56  —21.17  68.78  159.03  250.78  344.40  440.37 

57  —22.75  67.50  157.86  249.55  343.04  438.82 

58  —24.52  66.09  156.53  248.21  341.56  4.'',7.09 

59  —26.48  64.48  155.09  246.73  339.89  435.19 

60  —28.64  62.74  153.45  245.11  338.11  433.11 

61  —30.97  60.83  151.73  243.34  336.14  430.82 

62  —33.67  58.65  149.74  241.34  333.92  428.31 

63  —36.55  56.35  147.62  239.20  331.56  425.54 

64  —39.79  53.78  145.28  236.82  328.95  422.48 

65  —43.32  50.92  142.65  234.21  326.03  419.09 


18 

^  SELECT  AND  ULTIMATE. 

A%  MEAN  KESERVES. 

ORDINAEY  LIFE. 


Aee. 

1  Year. 

2  Yean. 

3  Years. 

4  Years. 

6  Years. 

20 

3.15 

13.38 

22.98 

32.11 

40.74 

21 

3.39 

13.93 

23.82 

33.26 

42.20 

22 

3.65 

14.50 

24.70 

34.45 

43.73 

23 

3.91 

15.09 

25.63 

35.72 

45.34 

24 

4.22 

15.74 

26.62 

37.04 

47.01 

25 

4.51 

16.39 

27.63 

38.44 

48.78 

26 

4.82 

17.06 

28.68 

39.85 

50.58 

27 

5.13 

17.77 

29.77 

41.34 

52.48 

28 

5.48 

18.52 

30.95 

42.96 

54.51 

29 

5.82 

19.30 

32.17 

44.61 

56.59 

30 

6.17 

20.10 

33.42 

46.30 

58.75 

31 

6.52 

20.98 

34.76 

48.12 

61.05 

32 

6.98 

21.86 

36.13 

50.01 

63.44 

33 

7.40 

22.81 

37.61 

51.99 

65.95 

34 

7.88 

23.79 

39.15 

54.08 

68.56 

35 

8.26 

24.80 

40.72 

56.23 

71.29 

36 

8.74 

25.87 

42.38 

58.49 

74.14 

37 

9.21 

26.99 

44.15 

60.85 

77.10 

38 

9.71 

28.14 

45.95 

63.32 

80.23 

39 

10.22 

29.33 

47.80 

65.88 

83.49 

40 

10.73 

30.58 

49.81 

68.60 

86.89 

41 

11.29 

31.92 

51.91 

71.44 

90.47 

42 

11.87 

33.33 

54.09 

74.40 

94.18 

43 

12.49 

34.78 

56.38 

77.51 

98.05 

44 

13.05 

36.24 

58.72 

80.67 

102.01 

45 

13.65 

37.79 

61.17 

83.99 

106.14 

46 

14.24 

39.35 

63.66 

87.37 

110.35 

47 

14.84 

40.98 

66.25 

90.86 

114.67 

48 

15.40 

42.60 

68.88 

94.42 

119.09 

49 

15.92 

44.24 

71.56 

98.05 

123.59 

50 

16.40 

45.89 

74.29 

101.77 

128.22 

51 

16.90 

47.58 

77.09 

105.61 

132.98 

52 

17.39 

49.33 

79.99 

109.58 

137.87 

53 

17.83 

51.09 

82.94 

113.61 

142.86 

54 

18.23 

52.87 

85.96 

117.76 

147.99 

55 

18. 02 

54.66 

89.07 

122.01 

1.53.23 

56 

18.94 

56.51 

92.24 

126.38 

158.61 

57 

19.20 

58.33 

95.46 

130.81 

164.09 

58 

19.49 

60.20 

98.75 

135.37 

169.70 

59 

19.58 

62.06 

102.12 

140.02 

175.41 

60 

19.64 

63.93 

105.55 

144.79 

181.24 

61 

19.60 

65.82 

109.04 

149.03 

187.17 

62 

19.57 

67.70 

112.58 

154.57 

193.19 

63 

19.36 

69.54 

116.13 

159.54 

199.27 

64 

19.06 

71.37 

119.75 

164.62 

205.42 

65 

18.61 

73.13 

123.33 

169.08 

211.58 

19 


3% 


SELE("r  AND  ULTIMATE. 

MEAN  RESERVES. 
TWENTY- PAYMENT  LIFE. 


Age. 

1  Tear. 

3  YtMii-s. 

3  YenrH. 

4  Years. 

5  Years. 

20 

12.22 

31.65 

50.78 

69.81 

88.74 

21 

12.50 

32.26 

51.72 

71.10 

90.39 

22 

12.79 

32.90 

52.71 

72.43 

92.10 

23 

13.10 

33.56 

53.73 

73.84 

93.88 

24 

13.41 

34.25 

54.80 

75.27 

9r..G9 

25 

13.74 

34.96 

55.91 

76.78 

97.60 

26 

14.05 

35.66 

56.99 

78.27 

99.51 

27 

14.39 

36.41 

58.15 

79.83 

101.50 

28 

14.73 

37.17 

59.34 

81.47 

103.56 

29 

15.08 

37.95 

60.56 

83.13 

105.67 

30 

15.44 

38.76 

61.82 

84.84 

107.83 

31 

15.84 

39.63 

63.15 

86.63 

110.09 

32 

16.22 

40.45 

64.44 

88.42 

112.38 

33 

16.62 

41.36 

65.84 

90.31 

114.76 

34 

17.03 

42.28 

67.29 

92.26 

117.20 

35 

17.44 

43.23 

68.73 

04.23 

119.71 

36 

17.83 

44.16 

70.21 

96.25 

122.28 

37 

18.23 

45.13 

71.79 

98.36 

124.91 

38 

18.66 

46.14 

73.36 

100.52 

127.65 

39 

19.09 

47.17 

74.96 

102.73 

130.47 

40 

19.51 

48.22 

76.65 

105.03 

133.35 

41 

19.96 

49.34 

78.42 

107.41 

136.33 

42 

20.41 

50.48 

80.22 

109.86 

139.39 

43 

20.88 

51.04 

82.04 

112.35 

142.51 

44 

21.30 

52.80 

83.91 

114.87 

145.66 

45 

21.72 

53.98 

85.83 

117.48 

148.90 

46 

22.14 

55.18 

87.76 

120.11 

152.15 

47 

22.53 

56.40 

89.73 

122 . 77 

155.41 

48 

22.88 

57.59 

91.69 

125.41 

158.68 

49 

23.18 

58.76 

93.65 

128.09 

161.98 

50 

23.42 

59.90 

95.60 

130.76 

165.28 

51 

23.64 

61.06 

97.59 

133.49 

168.05 

52 

23.86 

62.23 

99.61 

136.24 

172.03 

53 

23.99 

63.36 

101.62 

139.04 

175.4.-> 

54 

24.10 

64.53 

103.71 

141.92 

173.95 

55 

24.16 

65.66 

105.77 

144.79 

182.47 

56 

24.12 

66.77 

107.87 

147.72 

186.03 

57 

24.04 

67.92 

110.04 

150.69 

189.66 

58 

23.93 

69.07 

112.24 

153.76 

193.35 

59 

23.09 

70.18 

114.47 

156.87 

197.10 

60 

23.41 

72.29 

116.71 

160.04 

200.93. 

•^0 

^  SELECT  AND  ULTIMATE. 

A%  MEAN  RESERVES. 

FIFTEEN-PAYMENT  LIFE. 


ARC, 

1  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

17.62 

42.53 

67.36 

92.29 

117.37 

21 

17.99 

43.31 

68.54 

93.90 

119.42 

22 

18.35 

44.10 

69.76 

95.56 

121.55 

23 

18.74 

44.91 

71.02 

97.29 

123.74 

24 

19.18 

45.77 

72.34 

99.06 

125.99 

25 

19.53 

46.64 

73.69 

100.91 

128.33 

2G 

19.95 

47.53 

75.06 

102.77 

130.71 

27 

20.37 

48.45 

76.48 

104.70 

133.17 

2S 

20.81 

49.40 

77.96 

106.72 

135.72 

29 

21.26 

50.38 

79.47 

108.77 

138.32 

30 

21.71 

51.37 

81.01 

110.87 

140.99 

31 

22.19 

52.42 

82.64 

113.07 

143.76 

32 

22.68 

53.45 

84.23 

115.27 

146.59 

33 

23.17 

54.55 

85.93 

117.57 

149.49 

34 

23.68 

55.68 

87.68 

119.93 

152.47 

35 

24.17 

56.80 

89.44 

122.32 

155.51 

36 

24.70 

57.98 

91.25 

124.80 

158.65 

37 

25.22 

59.18 

93.14 

127.33 

161.84 

38 

25.75 

60.38 

95.03 

129.93 

165.13 

39 

26.28 

61.61 

96.94 

132.57 

168.50 

40 

26.81 

62.88 

98.96 

135.30 

171.93 

41 

27.33 

64.18 

101.01 

138.08 

175.44 

42 

27.90 

65.52 

103.10 

140.93 

179.04 

43 

28.47 

66.88 

105.26 

143.85 

182.69 

44 

28.99 

68.23 

107.41 

146.78 

186.37 

45 

29.51 

69.59 

109.59 

149.76 

190.10 

46 

30.00 

70.98 

111.81 

152.75 

193.82 

47 

30.52 

72.37 

114.03 

155.76 

197.55 

48 

30.93 

73.69 

116.19 

158.73 

201.26 

49 

31.28 

74.99 

118.35 

161.66 

204.91 

50 

31.59 

76.23 

120.47 

164.59 

208.57 

51 

31.88 

77.49 

122.61 

167.52 

212.21 

52 

32.11 

78.72 

124.72 

170.42 

215.79 

53 

32.27 

79.89 

126.78 

173.29 

219.37 

54 

32.37 

81.03 

128.86 

176.17 

222.90 

55 

32.44 

82.14 

130.89 

179.01 

226.39 

56 

32.40 

83.22 

132.88 

181.80 

229.82 

57 

32.27 

84.23 

134.85 

1&4.53 

233.18 

58 

32.06 

85.19 

136.78 

187.27 

236.51 

59 

31.75 

86.08 

138.68 

189.95 

239.77 

60 

31.34 

86.94 

140.53 

192.60 

242.98 

61 

30.78 

87.69 

142.34 

195.19 

246.09 

€2 

30.13 

88.39 

144.09 

197.73 

249.12 

63 

29.33 

89.02 

145.77 

200.19 

252.04 

64 

28.39 

89.54 

147.40 

202.60 

254.85 

€5 

27.26 

89.93 

148.91 

204.86 

257.47 

21 


o 


SELECT  ANT)  ULTIMATE. 

MEAN  RESERVES. 

TEN-PAYMENT  LIEE. 


Ase. 

1  Year. 

3  Years. 

3  Years. 

4  YeniH. 

5  Years. 

20 

28.65 

64.76 

101.19 

138.17 

175.80 

21 

29.18 

65.85 

102.85 

140.44 

178.09 

22 

29.70 

66.96 

104.57 

142.77 

181.66 

23 

30.28 

68.13 

100.35 

145.21 

184.76 

24 

30.83 

69.32 

108.19 

147.08 

187.91 

25 

31.41 

70.55 

110.09 

150.28 

191.20 

2G 

32.00 

71.80 

112.01 

152.89 

194.54 

27 

32.01 

73.09 

113.99 

1.55.59 

197.99 

2S 

33.25 

74.44 

116.07 

158.43 

201.58 

29 

33.90 

75.82 

118.20 

161.31 

205.24 

30 

34.56 

77.22 

120.37 

164.27 

209.00 

31 

35.24 

78 '.68 

122.61 

167.30 

212.88 

32 

35.95 

80.10 

124.89 

170.43 

216.86 

33 

36.67 

81.71 

127.27 

173.66 

220.96 

34 

37.42 

83.30 

129.73 

176.98 

225.15 

35 

38.14 

84.89 

132.20 

180.35 

229.44 

3G 

38.91 

86.54 

134.73 

183.81 

233.85 

37 

39.66 

88.23 

137.36 

187.35 

238.36 

38 

40.45 

89.94 

140.02 

190.99 

242.97 

39 

41.24 

91.69 

142.72 

194.09 

247.70 

40 

42.03 

93.46 

145.50 

198.49 

252.  r.i 

41 

42.83 

95.31 

118.37 

202.37 

257.44 

42 

43.66 

97.16 

151.27 

206.34 

262.40 

43 

44.50 

99.10 

154.28 

210.39 

267.56 

44 

45.30 

100.97 

157.24 

214.44 

272.71 

45 

46.08 

102.88 

160.26 

218.57 

277.92 

46 

46.89 

104.83 

163.32 

222 . 72 

283.16 

47 

47.66 

106.75 

166.37 

226.90 

288.41 

48 

48.39 

108.66 

169.42 

231.04 

293.65 

49 

49.03 

110.49 

172.38 

235.14 

298.85 

50 

49. G4 

112.33 

175.39 

239.2.-1 

304.05 

51 

50.22 

114.12 

178.35 

243.35 

309.23 

52 

50.73 

115.87 

181.26 

247.39 

314.34 

53 

51.17 

117.. j7 

184.12 

251.33 

319.30 

54 

51.54 

119.20 

186.03 

255.26 

324.32 

55 

51.  SS 

120.79 

189.69 

259.11 

329.19 

56 

52.07 

122.27 

192.34 

262.84 

333.93 

57 

52.18 

123.68 

194.90 

266.45 

338.54 

58 

52.19 

124.99 

197.37 

269.98 

343.00 

59 

52.07 

126.20 

199.73 

273.34 

347.28 

60 

51.82 

127.28 

201.94 

276.56 

351.40 

61 

51.42 

128.23 

204.02 

279.63 

355.29 

62 

50.87 

129.04 

205.96 

282.50 

358.95 

63 

50.16 

129.72 

207.72 

285.16 

362.34 

64 

49.27 

130.21 

209.31 

287.62 

365.47 

65 

48.18 

130..^.! 

210.68 

289.80 

368.25 

3% 


SELECT  AND  ULTIMATE. 

MEAN  KESERVES. 

TWENTY-YEAR  ENDOWMENT. 


Aee. 

1  Year. 

S  Years. 

3  Y'ears. 

4  Years. 

5  Years. 

20 

30.54 

68.56 

106.97 

146.01 

185.78- 

21 

30.51 

68.55 

106.95 

146.00 

185.77 

22 

30.46 

68.52 

106.95 

145.99 

185.76 

23 

30.48 

68.54 

106.98 

146.06 

185.81 

24 

30.44 

68.52 

106.96 

146.02 

185.8a 

25 

30.39 

68.50 

106.97 

146.05 

185.83 

26 

30.35 

68.48 

106.97 

146.06 

185.84 

27 

30.32 

68.49 

107.00 

146.10 

185.87 

28 

30.29 

68.49 

107.01 

146.14 

185.93 

29 

30.26 

68.48 

107.04 

146.18 

185.97 

30 

30.22 

68.50 

107.07 

146.22 

186.02 

31 

30.18 

68.52 

107.14 

146.29 

1SG.09 

32 

30.13 

68.50 

107.15 

146.36 

186.20 

33 

30.08 

68.54 

107.23 

146.46 

186.30 

34 

30.09 

68.58 

107.33 

146.60 

186.44 

35 

30.05 

68.62 

107.41 

146.70 

186. 5» 

30 

30.01 

68.68 

107.55 

146.87 

186.78 

37 

29.98 

68.72 

107.68 

147.10 

187.01 

38 

29.93 

68.80 

107.83 

147.33 

187.31 

39 

29.90 

68.87 

108.01 

147.56 

187.61 

40 

29.85 

69.00 

108.26 

147.91 

188.01 

41 

29.80 

69.12 

108.53 

148.28 

188.45 

42 

29.79 

69.28 

108.85 

148.74 

188.99 

43 

29.77 

69.50 

109.22 

149.23 

189.56 

44 

29.71 

69.67 

109.61 

149.77 

190.18 

45 

29.66 

69.89 

110.03 

150.37 

190.89 

46 

29.57 

70.10 

110.50 

150.99 

191.58 

47 

29.52 

70.39 

111.04 

151.70 

192.37 

48 

29.40 

70.63 

111.54 

152.42 

193.19 

49 

29.21 

70.87 

112.10 

153.17 

194.05 

50 

29.02 

71.11 

112.67 

153.96 

194.96 

51 

28.80 

71.38 

113.30 

154.85 

195.99 

52 

28.58 

71.66 

113.98 

155.82 

197.10 

53 

28.30 

71.97 

114.72 

156.89 

198.34 

54 

28.00 

72.32 

115.58 

158.08 

199.68 

55 

27.69 

72.68 

116.44 

159.34 

201.16 

56 

27.29 

73.04 

117.42 

160.74 

202.77 

57 

26.85 

73.48 

118.51 

162.25 

204.51 

58 

26.39 

73.95 

119.68 

163.90 

206.42 

59 

25.84 

74.44 

120.95 

165.71 

208.50 

60 

25.26 

74.94 

122.27 

167.65 

210.77 

3% 


23 

SELECT  AND  ULTIMATE. 

MEAN  RESERVES. 

FIFTEEN-YEAR  ENDOWMENT. 


A^C'  1  Tear.  2   Years.  :{  Years.  4  Yearn.  r.   Years. 

20 
21 
22 
23 

24 


1  Year. 

2  Years. 

:{  Years. 

4  Years 

46.88 

101.46 

157.06 

213.9.-) 

46.88 

101.47 

157.03 

213.92 

46.85 

101.42 

156.99 

213.89 

46.79 

101.39 

156.98 

213.87 

46.74 

101.39 

156.98 

213.86 

46.69 

101.32 

156.94 

213.83 

46.65 

101.28 

156.89 

213.78 

46.62 

101.28 

156.89 

213.77 

46.59 

101.20 

156.89 

213.79 

46.51 

101.21 

156.84 

213.74 

46.48 

101.20 

156.85 

213.75 

46.40 

101.15 

156.82 

213.73 

46.33 

101.10 

156.76 

213.67 

46.29 

101.08 

156.77 

213.68 

46.23 

101.06 

156.76 

213.67 

46.15 

101.03 

156.74 

213.65 

46.06 

100.98 

156.75 

213.66 

45.99 

100.96 

156.74 

213.68 

45.89 

100.90 

156.72 

213.69 

45.82 

100.91 

156.74 

213.70 

45.71 

100.87 

156.79 

213.78 

45.60 

100.85 

156.86 

213.87 

45.43 

100.84 

156.88 

213.98 

45.50 

100.85 

156.99 

214.08 

45.22 

100.85 

157.08 

214.20 

45.10 

100.85 

157.25 

214.37 

44.87 

100.83 

157.28 

214.49 

44.72 

100.84 

157.37 

214.65 

44.45 

100.79 

157.42 

214.75 

44.14 

100.73 

157.48 

214.85 

43.78 

100.58 

157.49 

214.91 

43.38 

100.43 

157.53 

215.02 

42.90 

100.27 

157.56 

215.11 

42.41 

100.10 

157.57 

215.18 

41.84 

99.01 

157.60 

215.32 

41.29 

99.73 

157.65 

215.45 

40.60 

99.51 

157.69 

215.61 

39.87 

99.28 

157.74 

215.76 

39.06 

99.03 

157.81 

215.97 

38.14 

98.70 

157.89 

216.23 

37.18 

98.43 

158.01 

216.50 

26 

28 
29 
30 
31 
32 
33 
34 
35 
36 

38 

39 

40 

41 

43 

42 

44 

45 

40  44.87  100.83  157.28  214.49  2 

47  44.72  100.84  157.37  214.65  2 

48 

49 

50 

51 

52 

53 

54 

55 

56 

57 

58 

59 

<50 


2.28 
2.25 
2.23 
2.20 
2.17 
2.13 
2.10 
2.07 
2.07 
2.03 
2.02 
1.99 
1.90 
1.94 
1.92 
1.89 
1.88 
1.90 
1.90 
1.92 
1.98 
2.06 
2.14 
■2.28 
2.40 
2.50 
2.63 
2.76 
2.84 
2.91 
2.94 
2.99 
3.00 
3.04 
3.11 
3.1(5 
3.25 
3.34 
3.47 
3.65 
3.83 


24 

^  SELECT  AND  ULTIMATE. 
A%  MEAN  RESERVES. 

"^  TEN -YEAR  ENDOWMENT. 


Aere. 

1  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

80.20 

168.62 

259.29 

352.60 

448.83 

21 

80.16 

168.58 

259.25 

352.55 

448.78 

22 

80.15 

168.55 

259.20 

352.51 

448.74 

23 

80.11 

168.53 

259.20 

352.49 

448.71 

24 

80.05 

168.50 

259.16 

352.44 

448.66 

25 

80.04 

168.46 

259.13 

352.42 

448.63 

26 

79.97 

168.39 

259.05 

352.36 

448.58 

27 

70.92 

168.34 

258.98 

352.28 

448.50 

28 

79.88 

168.32 

258.98 

352.27 

448.47 

29 

79.83 

168.27 

258.93 

352.23 

448.41 

30 

79.78 

168.22 

258.88 

352.18 

448.35 

31 

79.71 

168.17 

258.86 

352.11 

448.27 

32 

79.63 

168.10 

258.70 

852.04 

448.21 

33 

79.59 

168.06 

258.73 

352.01 

448.14 

34 

79.52 

168.00 

258.67 

351.94 

448.05 

35 

79.42 

167.93 

258.59 

351.84 

447.96 

36 

79.33 

167.83 

258.49 

351.75 

447.87 

37 

79.19 

167.76 

258.42 

351.66 

447.76 

38 

79.10 

167.65 

258.32 

351.54 

447.63 

39 

79.02 

167.58  ■ 

258.21 

351.44 

447.51 

40 

78.84 

167.45 

258.14 

351.35 

447.38 

41 

78.70 

167.35 

258.06 

351.26 

447.27 

42 

78.56 

167.20 

257.91 

351.13 

447.11 

43 

78.42 

167.13 

257.83 

351.02 

440.97 

44 

78.19 

166.98 

257.71 

350.86 

440.78 

45 

77.97 

166.83 

257.57 

350.74 

446.61 

46 

77.73 

166.65 

257.44 

350.58 

446.36 

47 

77.44 

166.42 

257.22 

350.35 

446.10 

48 

77.11 

166.21 

257.02 

350.09 

445.77 

49 

76.71 

165.90 

256.72 

349.78 

445.36 

50 

76.26 

165.56 

256.38 

349.37 

444.91 

51 

75.77 

165.16 

250.03 

349.00 

444.43 

52 

75.22 

164.72 

255.02 

348.53 

443.89 

53 

74.56 

164.24 

255.15 

347.99 

443.19 

54 

73.86 

163.66 

254.61 

347.44 

442.50 

55 

73.14 

163.06 

254.03 

346.78 

441.72 

56 

72.28 

162.38 

253.38 

346.06 

440.80 

57 

71.35 

161.66 

252.68 

345.27 

439.91 

58 

70.32 

160.84 

251.90 

344.42 

438.86 

59 

69.15 

159.94 

251.06 

343.46 

437.09 

60 

67.90 

158.94 

250.13 

342.46 

436.46 

61 

66.54 

157.89 

249.15 

341.35 

435.09 

62 

64.95 

156.66 

248.00 

340.09 

433.58 

63 

63.31 

155.40 

24(i .  S2 

338.79 

431.96 

64 

61.46 

153.99 

245.51 

337.35 

430.18 

65 

59.42 

152.40 

244.05 

335.74 

428.18 

AMERICAN  EXPERIENCE  TABLE. 
SEI ECT  AND  ULTIMATE  VALUES. 


31% 


31% 


27 

SELECT  AND  ULTIjMATE. 
NET  SINGLE  PIIEMIU]\rS,  LIFE. 


A«e. 

[x.l 

[XJ  H-  1. 

[X]  -r   3. 

[X|  -■  3. 

[X]  -   4. 

20 

278.32 

285.27 

291.58 

297.70 

303.40 

21 

282.74 

289.81 

290.39 

302.61 

308.46 

22 

287.32 

294.61 

301.29 

307.67 

313.73 

23 

292.08 

299.51 

300.40 

312.95 

319.22 

24 

297.02 

304.61 

311.67 

318.40 

324.86 

25 

302.09 

309.88 

317.12 

324.06 

330.71 

26 

307.36 

315.32 

322.78 

329.91 

336.73 

27 

312.82 

321.00 

328.62 

3.'',5.95 

343.00 

28 

318.48 

326.84 

334.68 

342.23 

349.49 

29 

324.29 

332.88 

340.92 

348.69 

356.19 

30 

380.35 

339.14 

347.40 

355.39 

363.11 

31 

336.00 

845.61 

3.54.10 

302.33 

370.28 

32 

343.08 

352.31 

301.01 

369.47 

377.68 

33 

349.78 

359.23 

368.17 

376.88 

385.33 

34 

356.69 

366.38 

375.57 

384.52 

393.22 

35 

363.83 

373.77 

383.20 

392.40 

401.35 

36 

371.22 

381.39 

391.08 

400.54 

409.75 

37 

378.83 

389.26 

399.22 

408.94 

418.41 

38 

386.68 

397.38 

407.61 

417.59 

427.35 

39 

394.79 

405.75 

410.24 

426.49 

436.52 

40 

403.13 

414.38 

425.15 

435.70 

446.01 

41 

411.74 

423.26 

434.32 

445.14 

455.72 

42 

420.59 

432.40 

443.75 

454.85 

465.71 

43 

429.74 

441.86 

453.45 

464.85 

475.97 

44 

439.10 

451.50 

403.40 

475.08 

480.45 

45 

448.72 

461.40 

473.61 

485.56 

497.21 

46 

458.60 

471.59 

484.06 

490.28 

508.16 

47 

468.69 

481.99 

494.75 

507.22 

519.34 

48 

479.02 

492.62 

50.") .  65 

518.36 

530.70 

49 

489.55 

503.45 

516.73 

529.68 

542.24 

50 

500.28 

514.45 

528.00 

541.19 

553.94 

51 

511.19 

525.64 

539.42 

552.84 

565.78 

52 

522.28 

537.01 

551.02 

564.64 

577.74 

53 

533.51 

548.50 

562.76 

576.57 

589.79 

54 

544.88 

560.14 

574.59 

588.59 

601.98 

55 

550.38 

571.87 

586.54 

600.70 

614.19 

56 

567.98 

583.70 

598.56 

612.86 

626.47 

57 

579.64 

595.59 

610.66 

625.07 

638.75 

58 

591.37 

607.56 

622.76 

637.29 

651.03 

59 

603.13 

619.54 

634.89 

649.53 

663.30 

60 

614.94 

631.54 

647.01 

661.70 

675.51 

61 

626.71 

643.49 

659.07 

673.85 

687.65 

62 

638.48 

655.42 

671.12 

685.93 

699.66 

63 

650.19 

667.30 

683.06 

697.86 

711.57 

64 

661.84 

679.08 

694.90 

709.71 

723.34 

65 

673.38 

690.75 

706.58 

721.37 

734.89 

2S 


3 


%  SELECT  AND  ULTIMATE. 

IMMEDIATE  LIFE  ANNUITIES  DUE. 


Age. 

[X.] 

IX]  4-  1. 

[X]  +  2. 

[X]  ^^  3. 

IX]  +  4, 

20 

21.341 

21.136 

20.947 

20.769 

20.600 

21 

21.210 

21.000 

20.807 

20.623 

20.450 

22 

21.075 

20.860 

20.662 

20.473 

20.294 

23 

20.934 

20.714 

20.511 

20.317 

20.132 

24 

20.789 

20.564 

20.355 

20.155 

19.965 

25 

20.638 

20.408 

20.194 

19.988 

19.792 

26 

20.482 

20.247 

20.027 

19.816 

19.613 

27 

20.321 

20.079 

19.854 

19.637 

19.428 

28 

JO. 154 

19.906 

19.675 

19.451 

19.236 

29 

19.981 

19.727 

19.490 

19.260 

19.038 

30 

19.803 

19.542 

19.298 

19.062 

18.833 

31 

19.617 

19.351 

19.100 

18.857 

18.621 

32 

19.426 

19.154 

18.896 

18.646 

18.403 

33 

19.228 

18.948 

18.684 

18.426 

18.176 

34 

19.023 

18.737 

18.465 

18.200 

17.942 

35 

18.812 

18.519 

18.239 

17.967 

17.703 

36 

18.594 

18.292 

18.006 

17.726 

17.454 

37 

18.369 

18.061 

17.766 

17.478 

17.198 

38 

18.137 

17.821 

17.518 

17.222 

16.934 

39 

17.897 

17.573 

17.263 

16.959 

16.662 

40 

17.650 

17.317 

16.999 

16.687 

16.387 

41 

17.395 

17.055 

16.727 

16.408 

16.096 

42 

17.134 

16.784 

16.449 

16.121 

15.800 

43 

16.864 

16.506 

16.162 

15.826 

15.496 

44 

16.587 

16.220 

15.868 

15.523 

15.186 

45 

16.303 

15.927 

15.566 

15.213 

14.868 

46 

16.011 

15.626 

15.258 

14.896 

14.545 

47 

15.712 

15.318 

14.941 

14.572 

14.214 

48 

15.406 

15.004 

14.619 

14.243 

13.878 

49 

15.095 

14.684 

14.291 

13.908 

13.536 

50 

14.778 

14.359 

13.958 

13.568 

13.191 

51 

14.454 

14.028 

13.620 

13.223 

12.841 

52 

14.127 

13.691 

13.277 

12.874 

12.487 

53 

13.795 

13.352 

12.930 

12.523 

12.130 

54 

13.459 

13.008 

12.580 

12.167 

11.770 

55 

13.118 

12.661 

12.226 

11.808 

11.409 

56 

12.776 

12.310 

11.871 

11.448 

11.046 

57 

12.431 

11.959 

11.514 

11.087 

10.683 

58 

12.084 

11.605 

11.156 

10.726 

10.319 

59 

11.736 

11.251 

10.797 

10.364 

9.9566 

60 

11.387 

10.896 

10.438 

10.003 

9.5953 

61 

11.039 

10.542 

10.081 

9.6443 

9.2363 

62 

10.091 

10.189 

9.7255 

9.2877 

8.8806 

63 

10.344 

9.8381 

9.3722 

8.9341 

8.5284 

64 

10.000 

9.4899 

9.0224 

8.5846 

8.1811 

65 

9.6583 

9.1499 

8.6766 

8.2395 

7.8393 

66 

9.3203 

8.8038 

8.3351 

7.8999 

7.50.34 

67 

8.9869 

8.4682 

7.9998 

7.5668 

7.1746 

68 

8.6580 

8.1375 

7.6703 

7.2402 

6.8530 

69 

8.3347 

7.8130 

7.3477 

0.9210 

6.5381 

70 

8.0173 

7.4953 

7.0320 

6.6088 

6.2296 

29 


3 


SELECT  AND  ULTIMATE. 

TERMINAL  EESERVES. 

ORDINARY  LIFE. 


Aere. 

o 

1  Year. 

12  Years. 

3  Years. 

-1  Yea  IS. 

5  Year*. 

20 

—9 .  30 

.42 

9.27 

17.80 

25 .  77 

33.23 

21 

-9.37 

.60 

9.83 

18.58 

26.82 

34.63 

22 

-9.40 

.87 

10.34 

19.37 

27.95 

36.09 

23 

-9.48 

1.11 

10.93 

20.27 

29.21 

37.02 

24 

—9.52 

1.39 

11.53 

21.21 

30.47 

39.23 

25 

-9. 01 

1.66 

12.13 

22.17 

.31.79 

40.91 

2G 

-9.69 

1.90 

12.76 

23.16 

33.12 

42.67 

27 

-9.77 

2.25 

13.45 

24  22 

34.59 

44.151 

28 

-9.84 

2.55 

14.16 

25.35 

36.12 

46.45 

29 

-9.97 

2.87 

14.88 

26.49 

37.70 

48.46 

30 

-10.06 

3.20 

15.66 

27.72 

39.36 

50.58 

31 

-10.16 

3.56 

16.49 

29.01 

41.13 

52.80 

32 

-10.27 

3.92 

17.30 

30.31 

42.93 

55.11 

33 

—10.38 

4.31 

18.20 

31.74 

44.87 

57.54 

34 

—10.52 

4.70 

19.14 

33.20 

46.68 

60.08 

35 

-10.67 

5.12 

20.11 

34.72 

48.94 

62.73 

36 

-10.81 

5.55 

21.12 

36.33 

51.13 

65 .  50 

37 

-11.02 

5.96 

22.18 

37.99 

53.41 

68.40 

38 

—11.23 

6.40 

23.27 

39.74 

55.81 

71.43 

39 

—11.45 

6.87 

24.40 

41.54 

58.30 

74.61 

40 

—11.69 

7.37 

25.62 

43.51 

60.88 

77.92 

41 

—11.95 

7.87 

26.88 

45.49 

63.68 

81.39 

42 

—12.26 

8.38 

28.18 

47.58 

66.56 

84.98 

43 

-12.56 

8.94 

29.54 

49.77 

69.53 

88.70 

44 

—12.97 

9.43 

30.93 

52.01 

72.56 

92.54 

45 

-13.39 

9.94 

32.36 

54.33 

75.76 

90.48 

46 

—13.90 

10.45 

33.79 

56.69 

78.93 

100.50 

47 

—14.46 

10.95 

35.30 

59.11 

82.24 

104.59 

48 

—15.09 

11.40 

36.78 

61.56 

85.60 

108.76 

49 

-15.86 

11.80 

38.23 

64.01 

89.01 

112.99 

50 

—16.72 

12.12 

39.67 

66.51 

92.45 

117.31 

51 

-17.64 

12.41 

41.11 

69.06 

95.96 

121.71 

52 

—18.66 

12.76 

42.60 

71.66 

99.61 

126.19 

53 

-19.83 

12.94 

44.10 

74.25 

103.23 

130.74 

54 

—21.14 

13.09 

45.54 

76.92 

106.97 

135.38 

55 

-22.49 

13.19 

47.05 

79.65 

110.76 

140.08 

56 

—24.09 

13.21 

48.42 

82.32 

114.55 

144.85 

57 

—25.83 

13.12 

49.87 

85.05 

118.43 

149.67 

58 

-27.71 

13.04 

51.24 

87.79 

122.. 35 

154.53 

59 

—29.85 

12.72 

52.56 

90.53 

126.28 

159.42 

60 

-32.14 

12.36 

53.84 

93.24 

130.24 

104.34 

61 

-34.70 

11.82 

55.02 

95.98 

134.22 

169.26 

62 

-37.49 

11.15 

56.17 

98.66 

138.16 

174.16 

63 

-40.56 

10.34 

57.21 

101.26 

142.06 

179.01 

64 

-43.94 

9.30 

58.12 

103.83 

145.94 

183.77 

65 

—47.63 

8.07 

58.86 

106.28 

149.67 

188.44 

31% 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 
TWENTY- PAYMENT  LIFE. 


Aare. 

0 

1  Year. 

a  Tears. 

3  Yearit. 

4  Years. 

5  ^earis. 

20 

-9.14 

8.11 

24.81 

41.52 

58.04 

74.44 

21 

-9.20 

8.33 

25.46 

42.44 

59.28 

76.07 

22 

—9.29 

8.65 

26.03 

43.36 

60.58 

77.75 

23 

—9.33 

8.93 

26.71 

44.37 

61.98 

79.50 

24 

-9.3.-. 

9.24 

27.39 

45.42 

63.41 

81.30 

25 

-9.45 

9.55 

28.06 

46.49 

64.87 

83.17 

26 

—9.54 

9.82 

28.75 

47.57 

66.33 

85.09 

27 

—9.01 

10.19 

29.48 

48.71 

67.91 

87.09 

28 

-9.07 

10.52 

30.25 

49.92 

69.55 

89.15 

29 

-9.79 

10.85 

31.01 

51.13 

71.21 

91.27 

30 

—9.88 

11.20 

31.81 

52.38 

72.92 

93.46 

31 

—9.96 

11.57 

32.66 

53.71 

74.72 

95.73 

32 

—10.10 

11.93 

33.47 

55.01 

76.55 

98.00 

33 

—10.19 

12.32 

34.37 

56.42 

78.46 

100.47 

34 

—10.34 

12.70 

35.29 

57.84 

80.41 

102.95 

35 

-10.48 

13.10 

36.22 

59.30 

82.40 

105.51 

36 

—10.64 

13.48 

37.16 

60.82 

84.48 

108.13 

37 

—10.82 

13.90 

38.15 

62.39 

86.61 

110.84 

38 

—11.03 

14.28 

39.15 

63.98 

88.83 

113.63 

39 

—11.24 

14.69 

40.16 

65.61 

91.06 

116.51 

40 

—11.49 

15.12 

41.25 

67.36 

93.45 

119.46 

41 

—11.75 

15.53 

42.34 

69.09 

95.84 

122.50 

42 

—12.05 

15.96 

43.46 

70.89 

98.30 

125.61 

43 

-12.34 

16.43 

44.59 

72.77 

100.83 

128.78 

44 

—12.75 

16.78 

45.77 

74.61 

103.37 

131.99 

45 

-13.18 

17.14 

46.90 

76.53 

105.98 

135.23 

46 

—13.65 

17.52 

48.06 

78.42 

108.59 

138.47 

47 

-14.21 

17.86 

49.23 

80.35 

111.22 

141.70 

48 

—14.87 

18.13 

50.30 

82.23 

113.81 

144.93 

49 

-15.63 

18.32 

51.38 

84.05 

116.40 

148.14 

50 

-1-6.46 

18.47 

52.41 

85.96 

118.92 

151.35 

51 

—17.41 

18.56 

53.39 

87.76 

121.55 

154.56 

52 

-18.42 

18.62 

54.36 

89.61 

124.13 

157.75 

53 

-19.57 

18.56 

55.35 

91.44 

126.67 

160.94 

54 

—20.85 

18.45 

56.21 

93.25 

129.30 

104.14 

55 

-22.24 

18.24 

57.11 

95.06 

131.86 

167.32 

56 

—23.81 

17.97 

57.93 

96.82 

1.34.44 

170.49 

57 

-25.55 

17.59 

58.74 

98.59 

137.00 

173.64 

58 

—27.40 

17.15 

59.43 

100.32 

139.54 

176.77 

59 

—29.59 

16.51 

60.07 

102.02 

142.06 

179.88 

60 

-31.86 

15.81 

00.67 

103.69 

144.60 

182.07 

31 


31% 


SELECT  AND  ITLTIMATE. 

TERMINAL  RESERVES. 
FIFTEEN -PAYMENT  LIFE. 


Ase. 

o 

1  Year. 

2  Vears. 

:;  voni-s. 

•t  ^'oars. 

.'  Yoarn. 

20 

-9.05 

12.81 

34.30 

56.01 

77 . 7."> 

99 .  C>2 

21 

-9.11 

13.10 

35.10 

57.15 

79.29 

101.63 

22 

-9.19 

13.48 

35.83 

58.30 

80.90 

103.71 

23 

-9.23 

13.85 

36.65 

59.55 

82.63 

105.86 

24 

-9.25 

14.25 

37.49 

60.83 

84.38 

108.09 

25 

-9.34 

14.61 

38.32 

62.15 

SO.  IS 

110.39 

26 

-9.43 

14.99 

39.18 

63.50 

87.99 

112.76 

27 

-9.49 

15.44 

40.11 

64.91 

89.94 

115.22 

28 

-9.55 

15.86 

41.04 

66.38 

91 .  94 

117.76 

29 

-9.67 

16.30 

41.98 

67.87 

93.99 

120.37 

30 

-9.75 

16.73 

42.97 

69.41 

96.09 

123.06 

31 

-9.86 

17.19 

44.00 

71.03 

98.30 

125.85 

-9.97 

17.65 

45.02 

72.64 

100.53 

128.71 

oo 

—10.06 

18.14 

46.11 

74.36 

102.87 

131.66 

34 

-10.19 

18.63 

47.23 

76.10 

105.25 

134.69 

35 

-10.34 

19.18 

48.37 

77.87 

107.67 

137.81 

3G 

—10.50 

19.61 

49.53 

79.71 

110.19 

140.99 

-10.67 

20.13 

50.73 

81.61 

112.76 

144.28 

38 

-10.87 

20.63 

51.95 

83.52 

115.43 

147.64 

39 

-11.07 

21.15 

53.18 

85.49 

118.18 

151.10 

40 

—11.33 

21.68 

54.48 

87.56 

120.96 

154.64 

41 

-11.57 

22.21 

55.79 

89.62 

123.79 

158.27 

42 

-11.87 

22!  73 

57.11 

91.74 

126.70 

161.96 

43 

-12.14 

23.32 

58.46 

93.93 

129.69 

165.70 

44 

-12.56 

23.76 

59.81 

96.12 

132.67 

169.49 

45 

-12.97 

24.23 

61.18 

98.33 

135.69 

173.29 

46 

-13.41 

24.69 

62.53 

100.55 

138.71 

177.07 

47 

—13.97 

25.14 

63.86 

102.73 

141.72 

180.84 

48 

—14.61 

25.51 

65.18 

104.88 

144.72 

184.57 

49 

—15.38 

25.80 

66.36 

106.99 

147.65 

188.25 

50 

-16.16 

26.01 

67.55 

109.07 

150.55 

191.89 

51 

—17.07 

26.18 

68.68 

111.12 

153.41 

195.48 

52 

-18.10 

26.28 

69.75 

113.11 

156.21 

199.00 

53 

-19.27 

26.25 

70.78 

115.03 

158.92 

202.44 

54 

—20.49 

26.18 

71.70 

116.91 

161.63 

205.80 

55 

-21.84 

26.01 

72.59 

118.72 

164.23 

209.06 

56 

—23.38 

25.71 

73.35 

120.42 

166.75 

212.21 

57 

-25.07 

25.31 

74.10 

122.08 

169.18 

215.25 

58 

—26.95 

24.82 

74.67 

123.62 

171.51 

218.16 

59 

-29.06 

24.11 

75.16 

125.08 

173.71 

220.92 

60 

-31.31 

23.31 

75.52 

126.41 

175.83 

223.53 

S-2 


3-1% 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 

TEN-PAYMENT  LIFE. 


20 

—8.85 

22.45 

53.76 

85.74 

118.20 

151.27 

21 

-8.91 

22.89 

54.82 

87.34 

120.35 

154.08 

22 

-8.99 

23.43 

55.92 

88.96 

122.62 

156.99 

23 

—9.02 

23.94 

57.06 

90.70 

125.02 

160.00 

24 

—9.05 

24.51 

58.22 

92.49 

127.45 

163.11 

25 

-9.12 

25.06 

59.40 

94.34 

129.97 

166.33 

26 

—9.20 

25.60 

60.64 

96.24 

132.54 

169.65 

27 

-9.26 

26.24 

61.90 

98.19 

135.23 

173.09 

28 

-9.32 

26.85 

63.23 

100.20 

138.03 

176.64 

29 

-9.42 

27.47 

64.56 

102.34 

140.90 

180.30 

30 

-9.50 

28.11 

65.97 

104.51 

143.86 

184.08 

31 

-9.. 59 

28.79 

67.42 

106.77 

146.93 

187.99 

32 

—9.70 

29.45 

68.86 

109.03 

150.07 

192.01 

33 

-9.78 

30.17 

70.39 

111.44 

153.33 

196.16 

34 

—9.91 

30.89 

71.98 

113.89 

156.68 

200.42 

35 

-10.01 

31.63 

73.60 

116.39 

160.09 

204.81 

36 

—10.18 

32.35 

75.24 

118.97 

163.61 

209.30 

37 

-10.35 

33.10 

76.95 

121.62 

167.24 

213.93 

38 

—10.56 

33.87 

78.68 

124.30 

170.98 

218.67 

39 

—10.74 

34.68 

80.43 

127.09 

174.77 

223.55 

40 

—10.97 

35.48 

82.26 

129.99 

178.72 

228.53 

41 

-11.25 

3G.26 

84.12 

132.89 

182 . 70 

233.64 

42 

—11.47 

37.06 

85.98 

135.86 

186.78 

238.84 

43 

-11.73 

37.94 

87.94 

138.93 

190.96 

244.13 

44 

-12.12 

38.66 

89.83 

141.98 

195.14 

249.49 

45 

-12.50 

39.44 

91.80 

145.09 

199.43 

2.54.90 

40 

—12.93 

40.23 

93.73 

148.20 

203.68 

260.32 

47 

-13.44 

40.97 

95.69 

1.51.. 33 

207.99 

265.76 

48 

—14.05 

41.65 

97.57 

154.41 

212.24 

271.18 

49 

-14.73 

42.24 

99.36 

1{:7.44 

216.47 

276.58 

50 

—15.51 

42.77 

101.19 

160.46 

220.67 

281.94 

51 

—16.39 

43.23 

102.90 

163.42 

224.83 

287.25 

52 

—17.33 

43.65 

104.59 

166.32 

228.90 

292.48 

53 

-18.40 

43.97 

106.20 

169.16 

2.32.89 

297.63 

54 

—19.60 

44.18 

107.69 

171.89 

236.84 

302.67 

55 

—20.86 

44.30 

109.12 

174.55 

240.63 

307.57 

56 

-22.33 

44.29 

110.41 

177.06 

244.31 

312.32 

57 

—23.93 

44.15 

111.64 

179.47 

247.82 

316.89 

58 

-25.71 

43.92 

112.64 

181.68 

251 ! 14 

321.24 

59 

—27.71 

43.44 

113.53 

183.76 

254.29 

325.37 

r.o 

-29.82 

42.86 

114.24 

185.63 

257.23 

329.23 

(11 

-32.24 

42.00 

114.72 

187.31 

2.59.91 

332.79 

CiJ 

-34.84 

41.02 

115.06 

188.75 

262.29 

336.03 

C.."! 

-37.77 

39.76 

115.11 

189.90 

264.38 

338.91 

(i4 

-40.96 

38.25 

114.91 

190.80 

266.16 

341.35 

or. 

-44.46 

30.48 

114.42 

191.35 

267.53 

343.34 

3 


33 

SELECT  AND  ULTIMATE. 

TERMINAL  RESERVED. 

TWENTY- YEAR  ENDOWiNIENT. 


Asre. 

0 

1  Year. 

3  Years. 

3  YoaiN. 

4  "\  ears. 

5  Year*. 

20 

-8.77 

27.39 

63.84 

100.94 

138.98 

177.84 

21 

—8.81 

27.37 

63.80 

100.98 

138.96 

177.82 

22 

-8.87 

27.32 

03.75 

100.90 

138.92 

177.80 

23 

-8.95 

27.29 

63.75 

100.95 

138.92 

177.79 

24 

-9.01 

27.24 

03.73 

100.95 

138.91 

177.78 

25 

-9.09 

27.19 

63.71 

100.92 

138.91 

177.78 

26 

—9.16 

27.15 

63.67 

100.89 

138.91 

177.77 

27 

-9.26 

27.08 

63.63 

100.90 

138.93 

177. 7S 

28 

-9.32 

27.05 

63.64 

100.93 

138.93 

177.79 

29 

-9.42 

26.99 

63.61 

100.90 

138.94 

177.80 

30 

—9.50 

26.97 

63.60 

100.91 

138.96 

177.83 

31 

-9.60 

26.87 

63.59 

100.92 

139.00 

177.87 

32 

-9.75 

26.81 

63.57 

100.96 

139.04 

177.92 

33 

—9.86 

26.76 

63.56 

100.99 

139.11 

177.98 

34 

—10.03 

26.73 

63.58 

101.03 

139.20 

178.07 

35 

—10.16 

26.64 

63.58 

101.07 

139.25 

178.18 

36 

-10.33 

26.58 

63.56 

101.10 

139.36 

178.30 

37 

—10.49 

26.49 

63.57 

101.19 

139.53 

178.47 

38 

—10.71 

26.43 

63.56 

101.37 

139.69 

178.67 

39 

—10.94 

26.37 

63.63 

101.49 

139.86 

178.93 

40 

-11.21 

26.24 

63.72 

101.64 

140.18 

179.23 

41 

—11.45 

26.18 

63.80 

101.86 

140.45 

179.59 

42 

-11.76 

26.11 

63.91 

102.09 

140.80 

179.99 

43 

—12.06 

26.00 

63.99 

102.41 

141.20 

180.45 

44 

-12.48 

25.91 

64.17 

102.65 

141.60 

180.94 

45 

—12.92 

25.76 

64.25 

103.01 

142.07 

181.45 

46 

-13.40 

25.61 

64.36 

103.32 

142.52 

181.97 

47 

-13.97 

25.45 

64.52 

103.69 

143.05 

182.51 

48 

—14.63 

25.22 

64.56 

104.03 

143.55 

183.07 

49 

-15.38 

24.93 

64.65 

104.35 

144.05 

183.65 

50 

—16.16 

24.58 

64.71 

104.72 

144.55 

184.26 

51 

—17.17 

24.18 

64.73 

105.07 

145.17 

184.92 

52 

-18.21 

23.80 

64.74 

105.48 

145.80 

185.63 

53 

-19.35 

23.29 

64.81 

105.89 

146.40 

186.40 

54 

-20.64 

22.75 

64.82 

106.37 

147.26 

187.26 

55 

-22.01 

22.10 

64.84 

106.88 

148.01 

188.19 

34 


3^% 


SELECT  AND  ULTIMATE. 

TERMINAL  EESEBVES. 

FIFTEEN-YEAR  ENDOWMENT. 


Aare.  O  1  Year.  2  Years.  3  Years.  4  Years.  5  Years. 

20  —8.43  43.84  97.13  151.89  208.14  266.21 

21  —8.48  43.85  97.11  151.^^3  208.13  2G6.16 

22  —8.54  43.80  97.07  151  u  208.07  266.11 

23  -8.62  43.78  97.01  151  75  208.05  266.06 

24  -8.64  43.72  97.01  151  72  207.98  266.01 

25  —8.70  43.67  96.96  151.69  207.95  265.96 

26  —8.82  43.60  96.87  151.62  207.90  205.90 

27  —8.88  43.54  96.86  ' 151.56  207.87  265.84 

28  -8.98  43.47  96.81  151.54  207.83  265.79 

29  -9.07  43.42  96.76  151.46  207.74  265.73 

30  —9.17  43.34  96.69  151.42  207.69  265.66 

31  —9.27  43.25  96.64  151.38  207.67  205.60 

32  -9.40  43.16  96.55  151.35  207.01  265.54 

33  —9.51  43.10  96.51  151.28  207.57  265.47 

34  -9.65  42.99  96.45  151.26  207.49  265.40 

35  —9.79  42.91  96.38  151.16  207.43  265.33 

36  —9.94  42.81  96.30  151.08  207.40  265.25 

37  —10.13  42.70  96.24  151.07  207.35  265.18 

38  —10.31  42.55  96.12  151.01  207.29  265.12 

39  —10.54  42.42  96.03  150.95  207.20  265.07 

40  —10.82  42.25  96.00  150.97  207.28  265.03 

41  —11.05  42.11  95.91  150.90  207.25  265.02 

42  —11.33  41.97  95.85  150.87  207.24  264.99 

43  —11.57  41.83  95.78  150.87  207.25  264.98 

44  —12.02  41.55  95.66  150.85  207.26  264.96 

45  —12.44  41.32  95.57  150.83  207.22  264.91 

46  —12.93  41.01  95.42  150.78  207.19  264.82 

47  —13.44  40.77  95.26  150.70  207.11  264.69 

48  —14.10  40.37  95.08  150.52  207.03  264.50 

49  —14.83  39.95  94.78  150.43  206.92  264,27 

50  —15.62  39.42  94.49  150.20  206.68  263.99 

51  —16.57  38.87  94.12  149.97  206.46  263.66 

52  —17.60  38.22  93.70  149.78  206.18  263.29 

53  -18.73  37.49  93.24  149.38  205.87  262.88 

54  —19.96  36.71  92.78  149.05  205.58  262.42 

55  —21.32  35.82  92.18  148.67  205.23  261.92 

56  —22.86  34.85  91.54  148.24  204.83  261.37 

57  -24.56  33.76  90.91  147.78  204.41  260.79 

58  —26.44  32.60  90.15  147.30  203.96  260.16 

59  -28.55  31.25  89.17  146.74  203.45  259.48 

60  -30.88  29.75  88.41  146.14  202.97  258.76 


35 


3J% 


SELECT  AND  ULTIMATE. 

TERMINAL  KESEKVES, 
TEN-YEAB  ENDOWMENT. 


Age. 

o 

1  Year. 

::  Yt'jirs. 

:s  v<MiiH. 

-1  VeiiiB. 

5  A'enPB. 

20 

-7.73 

77.72 

Km.  45 

256.22 

350 . 06 

447.43 

21 

—7.78 

77.67 

165.45 

256.16 

350.00 

447.38 

oo 

-7.86 

77.62 

165.39 

256.09 

349.94 

447.32 

23 

-7.89 

77.56 

165.34 

256.04 

349.91 

447.26 

24 

-7.97 

77.51 

165.27 

256.01 

349.85 

447.20 

25 

-8.03 

77.45 

165.23 

2.55.93 

349.78 

447.14 

2G 

-8.07 

77.39 

165.19 

255.87 

349.75 

447.06 

27 

-8.15 

77.37 

165.10 

255.81 

349.63 

446.99 

28 

-8.25 

77.29 

165.08 

255.78 

349-58 

446.91 

29 

-8.31 

77.22 

165.00 

255.64 

349.49 

446.82 

30 

—8.42 

77.12 

164.93 

2.55.56 

349.43 

446.72 

31 

-8.50 

77.04 

164.81 

255.48 

349.37 

446.68 

32 

-8.61 

76.93 

164.71 

255.39 

349.20 

446.. 52 

33 

-8.71 

76.88 

164.62 

255.33 

349.09 

446.41 

34 

-8.84 

76.76 

164.55 

255.24 

349.06 

446.28 

35 

—8.93 

76.66 

164.48 

255.10 

348.92 

446.15 

36 

-9.08 

76.51 

164.34 

255.05 

348.76 

445.99 

37 

-9.30 

76.36 

164.23 

254.84 

348.61 

445.82 

38 

-9.49 

76.19 

164.08 

254.68 

348.48 

445.64 

39 

-9.70 

76.10 

163.86 

254.54 

348.26 

445.45 

40 

-9.89 

75.89 

163.73 

254.39 

348.12 

445.24 

41 

—10.14 

75.69 

163.58 

254.24 

347.97 

445.03 

42 

—10.40 

75.49 

163.38 

2.54.05 

347.73 

444.78 

43 

—10.67 

75.33 

163.22 

2.53.86 

347.50 

444.. 52 

44 

-11.04 

74.97 

162.99 

253.61 

347.23 

444.22 

45 

—11.42 

74.67 

162.70 

253.40 

346.99 

443.88 

46 

-11.89 

74.33 

162.40 

253.03 

346.58 

443.47 

47 

-12.33 

73.98 

162.08 

252.74 

346.23 

442.99 

48 

—12.96 

73.54 

161.66 

2.52.31 

345.77 

442.44 

49 

-13.60 

72.98 

161.13 

2.51.81 

345.22 

441.80 

50 

—14.36 

72 .  38 

160.63 

251.25 

344.60 

441.07 

51 

-15.21 

71.69 

160.03 

250.65 

343.92 

440.26 

52 

—16.14 

70.95 

159.32 

249.93 

343.11 

4.-^9.34 

5b 

—17.17 

70.14 

158.58 

249.13 

342.22 

438.32 

54 

—18.38 

69.18 

157.69 

248.25 

341.27 

437.19 

55 

—19.60 

68.13 

156.72 

247.28 

340.17 

435.93 

56 

—21.04 

66.98 

155.65 

246.19 

338.97 

434.53 

57 

—22.63 

65.71 

154.50 

245.00 

337.64 

432.99 

58 

-24.38 

64.29 

1.53.17 

243.67 

336.17 

431.29 

59 

—26.35 

62.71 

151.77 

242.21 

334.55 

429.41 

60 

—28.46 

61.01 

150.18 

240.61 

332.81 

427.35 

61 

-30.85 

59.03 

148.41 

238.84 

330.82 

425.09 

62 

-33.44 

56.98 

146.54 

236.92 

328.70 

422.60 

63 

-36.32 

54.66 

144.43 

234.75 

326.34 

419.88 

64 

-39.31 

52.13 

142.14 

232.47 

323.77 

416.86 

65 

—43.04 

49.33 

139.56 

229.87 

320.92 

413.50 

36 


31% 


SELECT  AND  ULTIMATE. 

MEAN  RESERVES. 

ORDINARY  LIFE. 


Aee. 

1   Year. 

2  Years. 

3   Years. 

4   Years. 

6   Years. 

20 

2.30 

11.59 

20.28 

28.53 

36.24 

21 

2.50 

12.10 

21.09 

29.59 

37.01 

22 

2.75 

12.65 

21.90 

30.70 

39.06 

23 

3.02 

13.23 

22.81 

31.95 

40.62 

24 

3.31 

13.84 

23.75 

33.22 

42.23 

25 

3.58 

14.45 

24.70 

34.53 

43.90 

26 

3.85 

15.07 

25.70 

35.88 

45.64 

27 

4.18 

15.79 

26.78 

37.35 

47.49 

28 

4.50 

16.50 

27.90 

38.88 

49.43 

29 

4.82 

17.24 

29.05 

40.46 

51.45 

30 

5.22 

18.03 

30.29 

42.14 

53.57 

31 

5.59 

18.87 

31.59 

43.91 

55.81 

32 

5.92 

19.76 

32.90 

45.72 

58.12 

33 

6.33 

20.62 

34.34 

47.67 

60.57 

34 

6.74 

21.57 

35.82 

49.60 

63.13 

35 

7.18 

22.57 

37.37 

51.79 

65.79 

36 

7.65 

23.61 

39.00 

54.01 

68.59 

37 

8.08 

24.68 

40.70 

56.31 

71.52 

38 

8.56 

25.81 

42.48 

58.74 

74.59 

39 

9.06 

26.99 

44.32 

61.27 

77.81 

40 

9.59 

28.25 

46.32 

63.95 

81.15 

41 

10.14 

29.56 

48.37 

66.77 

84.72 

42 

10.69 

30.91 

50.51 

69.70 

88.40 

43 

11.31 

32.36 

52.77 

72.77 

92.23 

44 

11.86 

33.81 

55.10 

75.92 

90.18 

45 

12.45 

35.33 

57.52 

79.22 

100.30 

46 

13.03 

36.88 

60.00 

82.57 

104.47 

47 

13.62 

38.50 

62.58 

86.05 

108.79 

48 

14.19 

40.13 

65.21 

89.62 

113.22 

49 

14.71 

41.76 

67.86 

93.25 

117.74 

50 

15.20 

43.39 

70.59 

96.98 

122.38 

51 

15.68 

45.06 

73.38 

100.81 

127.13 

52 

16.20 

46.83 

76.28 

104.78 

132.05 

53 

16.61 

48.58 

79.23 

108. SO 

137.04 

54 

17.01 

50.35 

82.26 

112.98 

142.21 

55 

17.37 

52.19 

85.42 

117.27 

147.49 

56 

17.73 

53.99 

88.54 

121.61 

152.87 

57 

18.00 

55.85 

91.82 

126.10 

158.41 

58 

18.28 

57.76 

95.13 

130.69 

164.06 

59 

18.41 

59.61 

98.52 

135.38 

169.82 

60 

18.53 

61.52 

101.96 

140.16 

175.71 

01 

18.52 

63.38 

105.46 

145.06 

181.70 

62 

18.45 

65.28 

109.03 

150.03 

187.78 

63 

18.28 

67.18 

112.63 

155.05 

193.93 

«4 

17.97 

69.00 

116.27 

160.18 

200.15 

05 

17.55 

70.79 

119.00 

165.30 

206.38 

37 


32% 


SELECT  AND  ULTIMATE. 

MEAN  RESERVES. 
TWENTY- PAYMENT  LIFE. 


Age. 

1   Year. 

2  Years. 

3  Years. 

4  Years. 

5   Yearn. 

20 

9.85 

26.82 

43.53 

60.14 

76.60 

21 

10.10 

27.43 

44.48 

61.39 

78.21 

22 

10.38 

28.04 

45.40 

62.67 

79.87 

23 

10.68 

28.70 

46.42 

64.06 

81.62 

24 

11.02 

29.39 

47.48 

65.49 

83.43 

25 

11.32 

30.07 

48.54 

66.95 

85.29 

20 

11.61 

30.75 

49.63 

68.42 

87.18 

27 

11.97 

31.51 

50.77 

69.99 

89.18 

2S 

12.32 

32.28 

51.98 

71.63 

91.25 

29 

12.65 

33.05 

53.19 

73.29 

93.3(5 

30 

13.02 

33.86 

54.45 

75.01 

95.55 

31 

13.41 

34.72 

55.79 

76.82 

97.83 

32 

13.78 

35.56 

57.10 

78.64 

100.17 

33 

14.19 

36.47 

58.52 

80.57 

102.59 

34 

14.59 

37.40 

59.97 

82.53 

105.09 

35 

15.01 

38.36 

61.46 

84.55 

107 .  CA] 

30 

15.43 

39.33 

63.00 

86.66 

110.31 

37 

15.86 

40.35 

64.59 

88.82 

113.0.") 

38 

16.28 

41.37 

66.22 

91.06 

115.80 

39 

16.73 

42.43 

67.89 

93.34 

118.79 

40 

17.18 

43.56 

69.68 

95.78 

121.83 

41 

17.66 

44.70 

71.48 

98.23 

124.93 

42 

18.13 

45.88 

73.35 

100.77 

128.13 

43 

18.65 

47.11 

75.28 

103.40 

131.41 

44 

19.07 

48.33 

77.25 

106.05 

134.74 

45 

19.52 

49.56 

79.25 

108.79 

138.14 

46 

19.98 

50.83 

81.28 

111.55 

141.57 

47 

20.41 

52.13 

83.37 

114.37 

145.04 

48 

20.79 

53.37 

85.42 

117.18 

148.53 

49 

21.11 

54.62 

87.48 

119.99 

152.04 

50 

21.42 

55.85 

89.60 

122.85 

155.55 

51 

21.68 

57.08 

91.68 

125.76 

159.16 

52 

21.94 

58.33 

93.82 

128.71 

162.78 

53 

22.11 

59.57 

96.01 

131.67 

166.42 

54 

22.26 

60.84 

98.19 

134.73 

170.18 

55 

22.35 

62.03 

100.44 

137.81 

173.94 

38 

3,  SELECT  AND  ULTIMATE. 
-S^Q  MEAN  KESEKYES. 

/  FIETEEN-PAYMENT  LIFE. 


Asre. 

1  Venr, 

2  Vears. 

3  Years. 

4  Years. 

B  Years. 

20 

14.40 

36.13 

57.73 

79.46 

101.26 

21 

14.77 

36.88 

58.90 

81.00 

103.29 

22 

15.13 

37.64 

60.05 

82.59 

105.29 

23 

15.51 

38.45 

61.30 

84.29 

107.45 

24 

15.92 

39.29 

62.58 

86.03 

109.66 

25 

16.29 

40.12 

63.89 

87.82 

111.94 

26 

16.68 

40.98 

65.24 

89.64 

114.27 

27 

17.12 

41.92 

66.66 

91.57 

116.73 

28 

17.56 

42.86 

68.12 

93.57 

119.26 

29 

17.99 

43.82 

69.60 

95.61 

121.86 

30 

18.45 

44.81 

71.12 

97.71 

124.53 

31 

18.91 

45.84 

72.76 

99.91 

127.32 

32 

19.39 

46.88 

74.38 

102.13 

130.17 

33 

19.90 

47.99 

70.10 

104.48 

133.13 

34 

20.41 

49.12 

77.85 

106.86 

136.16 

35 

20.92 

50.28 

79.65 

109.30 

139.27 

36 

21.43 

51.45 

81.50 

111.83 

142.47 

37 

21.98 

52.68 

83.42 

114.43 

145.77 

38 

22.51 

53.92 

85.37 

117.11 

149.17 

39 

23.07 

55.19 

87.36 

119.86 

152.67 

40 

23.62 

56.53 

89.47 

122.71 

156.25 

41 

24.20 

57.88 

91.59 

125.59 

159.91 

42 

24.77 

59.26 

93.76 

128.56 

163.67 

43 

25.40 

60.70 

96.01 

131.62 

167.51 

44 

25.91 

62.10 

98.28 

134.71 

171.39 

45 

26.46 

63.53 

100.59 

137.84 

175.32 

46 

27.03 

65.00 

102.93 

141.02 

179.28 

47 

27.55 

66.46 

105.26 

144.19 

183.24 

48 

28.02 

67.92 

107.00 

147.37 

187.22 

49 

28.42 

69.29 

109.89 

150.53 

191.16 

50 

28.81 

70.67 

112.20 

153.70 

195.11 

51 

29.15 

72.03 

114.50 

156.86 

199.04 

52 

29.44 

73.36 

116.78 

160.01 

202.95 

53 

29.63 

74.05 

119.04 

163.11 

206.82 

54 

29.82 

75.91 

121.28 

160.24 

210.69 

55 

29.94 

77.16 

123.51 

169.33 

214.50 

56 

29.96 

78.33 

125.69 

172.39 

218.28 

57 

29.92 

79.51 

127.89 

175.43 

222.02 

58 

29.80 

80.61 

130.01 

178.43 

225.70 

59 

29.53 

81.64 

132.12 

181.40 

229.32 

60 

29.22 

82.63 

134.18 

184.34 

232.90 

39 


3 


SELEC^T  AND  ULTIMATE. 

MEAN  IJESERYES. 

TEN-1?AYMENT  LIFE. 


Asre. 

1  Year. 

S  Years. 

3  Yearn. 

4  Years. 

5  Years. 

20 

23.92 

55.22 

80.87 

119.00 

151.85 

21 

24.38 

56.24 

88.47 

121.2:^, 

154.60 

22 

24.89 

57.34 

90.11 

123.40 

157.47 

23 

25.44 

58.46 

91.84 

125.82 

100.47 

24 

25.99 

59.62 

93.01 

128.23 

ia3.54 

25 

26.54 

60.80 

95.44 

130.72 

106.72 

26 

27.09 

62.01 

97.33 

133.28 

169.99 

27 

27.72 

63.30 

99.27 

135.94 

173.39 

28 

28.34 

64.01 

101.32 

138.72 

176.91 

29 

28. 9G 

65.95 

103.38 

141.55 

180.53 

30 

29.  Gl 

67.35 

105.55 

144.49 

184.28 

31 

30.29 

68.80 

107.79 

147.54 

188.15 

32 

30.97 

70.25 

110.04 

150.05 

192.14 

33 

31.71 

71.79 

112.43 

153.90 

190.26 

34 

32.43 

73.38 

114.88 

157.23 

200.49 

35 

33.20 

75.01 

117.39 

160.63 

204.84 

36 

33.94 

76.65 

119.90 

164.14 

209.31 

37 

34.71 

78.36 

122.02 

167.77 

213.92 

38 

35.49 

80.11 

125.33 

171.48 

218.00 

39 

36.32 

81.91 

128.11 

175.28 

223.51 

40 

37.15 

83.76 

131.02 

179.25 

228.52 

41 

37.95 

85.64 

133.95 

183.24 

233.62 

42 

38.82 

87.55 

136.95 

187.35 

238.84 

43 

39.74 

89.57 

140.07 

191.58 

244.17 

44 

40.53 

91.50 

143.16 

195.82 

249.57 

45 

41.38 

93.53 

146.36 

200.17 

255.08 

46 

42.24 

95.57 

149.56 

204.53 

200.59 

47 

43.00 

97.63 

152.81 

208.96 

260.17 

48 

43.84 

99.65 

156.03 

213.36 

271.75 

49 

44.56 

101.60 

159.20 

217.76 

277.33 

50 

45.23 

103.58 

162.43 

222.17 

282.91 

51 

45.86 

105.50 

165.60 

220.50 

288.48 

52 

46.46 

107.42 

168.76 

230.91 

293.99 

53 

46.99 

109.29 

171.89 

235.23 

299.47 

54 

47.44 

111.08 

174.94 

239.51 

304.90 

55 

47.85 

112.84 

177.97 

243.72 

310.23 

56 

48.19 

114.51 

180.90 

247.85 

315.48 

57 

48.35 

116.13 

183.79 

251.88 

320.59 

58 

48.47 

117.64 

186.52 

255.77 

325.55 

59 

48.41 

119.03 

189.19 

259.57 

330.38 

60 

48.32 

120.35 

191.73 

263.23 

335.03 

61 

47.99 

121.47 

194.13 

266.72 

339.46 

62 

47.59 

122.54 

196.41 

270.02 

343.66 

63 

46.97 

123.41 

198.48 

273.11 

347.62 

64 

46.18 

124.12 

200.39 

276.02 

351.29 

65 

45.21 

124.65 

202.08 

278.  &4 

354.63 

40 


32< 

* 

jNIEAN 

EESERVES. 

'J. 

w  L  . 

TWENTY- YEAR  ENDOWMENT. 

Asre. 

1   Year. 

S  Years. 

3  Years. 

4  Years. 

6  Years. 

20 

28.7(i 

65.07 

101.84 

139.41 

177.86 

21 

28.75 

65.06 

101.86 

139.44 

177.86 

22 

28.72 

65.03 

101.85 

139.44 

177.86 

23 

28.69 

65.04 

101.87 

139.46 

177.88 

24 

28.66 

65.03 

101.89 

139.48 

177.89 

25 

28.62 

65.02 

101.89 

139.49 

177.92 

26 

28.60 

65.01 

101.88 

139.50 

177.94 

27 

28.55 

64.99 

101.90 

139.55 

177.99 

28 

28.54 

65.02 

101.96 

139.60 

178.03 

29 

28.50 

65.01 

101.97 

139.63 

178.08 

30 

28.49 

65.04 

102.01 

139.69 

178.15 

31 

28.44 

65.04 

102.06 

139.77 

178.24 

32 

28.39 

65.05 

102.13 

139.86 

178.34 

33 

28.37 

65.08 

102.19 

139.97 

178.46 

34 

28.34 

65.14 

102.29 

140.10 

178.62 

35 

28.30 

65.17 

102.39 

140.22 

178.78 

36 

28.27 

65.21 

102.47 

140.37 

178.97 

37 

28.24 

65.27 

102.62 

140.60 

179.24 

38 

28.20 

65.34 

102.81 

140.87 

179.52 

39 

28.17 

65.46 

103.02 

141.13 

179.85 

40 

28.11 

65.57 

103.27 

141.50 

180.30 

41 

28.10 

65.73 

103.57 

141.89 

180.76 

42 

28.08 

65.92 

103.91 

142.35 

181.30 

43 

28.09 

66.12 

104.29 

142.90 

181.92 

44 

28.02 

6G.35 

104.72 

143.43 

182.58 

45 

27.96 

66.55 

105.17 

144.08 

183.30 

46 

27.91 

66.79 

105.65 

144.73 

184.05 

47 

27.85 

67.09 

106.21 

145.48 

184.89 

48 

27.74 

67.33 

100.74 

146.23 

185.75 

49 

27.59 

67.61 

107. B2 

147.02 

186.67 

50 

27.44 

67.88 

107.95 

147.87 

187.64 

51 

27.20 

68.15 

108.60 

148.82 

188.74 

52 

27.00 

68.48 

109.32 

149.85 

189.92 

53 

26.75 

68.83 

110.13 

150.95 

191.21 

54 

26.46 

69.19 

m.oo 

152.22 

192.67 

55 

26.14 

69.58 

111.97 

153.55 

194.21 

3i' 

h  , 

Age. 

1  Year, 

20 

44.93 

21 

44.92 

22 

44.94 

23 

44.86 

24 

44.84 

25 

44.80 

26 

44.73 

27 

44.70 

28 

44.64 

29 

44.60 

30 

44.55 

31 

44.48 

32 

44.42 

33 

44.38 

34 

44.30 

35 

44.25 

36 

44.18 

37 

44.10 

38 

44.01 

39 

43.92 

40 

43.79 

41 

43.71 

42 

43.63 

43 

43.57 

44 

43.37 

45 

43.22 

46 

43.02 

47 

42.87 

48 

42.60 

49 

42.31 

50 

41.97 

51 

41.57 

52 

41.13 

53 

40.64 

54 

40.13 

55 

39.55 

56 

38.90 

57 

38.18 

58 

37.41 

59 

36.51 

60 

35.51 

41 

SELECT  AND  ULTIMATE. 

]\iEAN  eesi:rves. 

FIFTEEN -YEAR  ENDOWMENT. 


Years. 

3  Years. 

4  Years. 

5  Years. 

97.71 

151.73 

207.24 

264.40 

97.72 

151.71 

207.22 

264.38 

97.69 

151.68 

207.18 

264.35 

97.67 

151.66 

207.18 

264.33 

97.66 

151.66 

207.15 

264.29 

97.63 

151.64 

207.14 

264.27 

97.58 

151.59 

207.10 

264.24 

97.57 

151.58 

207.08 

264.22 

97.54 

151.57 

207.08 

264.21 

97.52 

151.54 

207.03 

264.16 

97.48 

151.52 

207.02 

204.14 

97.44 

151.51 

207.02 

264.13 

97.39 

151.49 

207.02 

264.11 

97.39 

151.48 

207.01 

264.10 

97.35 

151.49 

207.01 

264.08 

97.33 

151.46 

206.98 

264.07 

97.30 

151.44 

206.99 

264.07 

97.29 

151.47 

207.03 

264.08 

97.23 

151.46 

207.04 

264.10 

97.20 

151.47 

207.05 

264.11 

97.20 

151.56 

207.20 

264.23 

97.19 

151.59 

207.26 

204.32 

97.22 

151.67 

207.36 

204.42 

97.25 

151.77 

207.50 

264.56 

97.21 

151.86 

207.66 

264.71 

97.22 

151.98 

207.80 

264.84 

97.19 

152.08 

207.96 

264.98 

97.22 

152.19 

208.11 

265.11 

97.19 

152.26 

208.23 

265.23 

97.11 

152.35 

208.42 

265.34 

97.02 

152.41 

208.51 

265.40 

96.92 

152.47 

208.64 

265.48 

96.78 

152.56 

208.80 

265.. 55 

96.63 

152.57 

208.89 

265.64 

96.50 

152.67 

209.07 

265.75 

96.30 

152.72 

209.25 

265.87 

96.10 

152.80 

209.47 

266.01 

95.92 

152.93 

209.68 

266.18 

95.70 

153.05 

209.96 

266.39 

95.37 

153.11 

210.25 

266.62 

95.16 

153.35 

210.63 

266.94 

42 

3,  SELECT  AND  ULTIMATE. 

%  MEAN  RESERVES. 

TEN -YEAR  ENDOWMENT. 


A  Be. 

1  Year. 

2  Ifeara. 

3  Years, 

4  Years. 

5  Years. 

'20 

78.15 

164.74 

253.99 

346.29 

441.90 

21 

78.11 

164.73 

253.97 

346.25 

441.86 

2'J 

78.06 

164.69 

253.92 

346.20 

441.81 

2o 

78.03 

164.65 

253.89 

346.17 

441.78 

24 

77.98 

164.60 

253.85 

346.14 

441.74 

25 

77.94 

164.57 

253.81 

346.08 

441.69 

26 

77.91 

164.54 

253.78 

346.06 

441.65 

27 

77.88 

164.50 

253.72 

345.99 

441.58 

28 

77.81 

164.48 

253.72 

345.97 

441.54 

29 

77.77 

164.43 

253.64 

345.88 

441.47 

30 

77.69 

164.37 

253.59 

345.84 

441.42 

31 

77.64 

164.29 

253.51 

345.79 

441.37 

32 

77.56 

164.22 

253.45 

345.70 

441.26 

33 

77.52 

164.18 

253.41 

345.64 

441.18 

34 

77.43 

164.13 

253.37 

345.62 

441.14 

35 

77.38 

164.08 

253.30 

345.52 

441.05 

36 

77.27 

163.98 

253.25 

345.46 

440.93 

37 

77.14 

163.90 

253.15 

345.33 

440.82 

38 

77.01 

163.80 

253.05 

345.24 

440.72 

39 

76.92 

163.70 

252.94 

345.12 

440.58 

40 

76.79 

163.60 

252.85 

345.05 

440.47 

41 

76.64 

163.50 

252.78 

344.97 

440.37 

42 

76.50 

163.39 

252.67 

344.85 

440.21 

43 

76.38 

163.33 

252.59 

344.73 

440.06 

44 

76.13 

163.15 

252.47 

344.59 

439.89 

45 

75.92 

162.98 

252.34 

344.49 

439.73 

46 

75.66 

162.81 

252.16 

844.25 

439.47 

47 

75.43 

162.64 

252.02 

344.09 

439.22 

48 

75.08 

162.39 

251.78 

343.83 

438.90 

49 

74.69 

162.06 

251.47 

343.52 

438.51 

50 

74.25 

161.75 

251.17 

343.17 

438.08 

51 

73.75 

161.37 

250.85 

342.79 

437.60 

52 

73.21 

160.94 

250.43 

342.32 

437.03 

53 

72.62 

160.49 

249.99 

341.81 

436.40 

54 

71.90 

159.94 

249.47 

341.26 

435.73 

55 

71.18 

159.34 

248.91 

340.64 

4.34.96 

56 

70.34 

158.68 

248.29 

339.95 

434.12 

57 

69.41 

157.98 

247.62 

339.19 

433.19 

58 

68.39 

157.17 

246.86 

338.36 

432.17 

59 

67.24 

156.30 

246.05 

337.44 

431.04 

60 

66.03 

155.35 

245.15 

336.47 

429.84 

61 

64.62 

154.25 

244.16 

335.36 

428.40 

62 

63.16 

153.15 

243.12 

334.20 

427.04 

63 

61.51 

151.89 

241.93 

332.89 

425.45 

64 

59.81 

150.54 

240.71 

331.52 

423.72 

65 

57.72 

149.02 

239.29 

329.97 

421.78 

Modified 
Preliminary  Term  Reserves, 


Dr.  A.  Zillmer,  the  eminent  German  actuary,  in  18G3  first  made 
suggestion  that  policies  might  be  valued  by  the  formula : 

i.  e.,  by  valuing  the  net  premium,    P  x+  i,  for  an  age  one  year  higher, 
instead  of    l^x,  the  net  premium  fur  the  age  at  entry. 

The  purpose  was  to  allow  for  initial  expenses  in  the  procureuient 
of  business,  which,  then  as  now,  Avere  estimated  to  absorb,  together 
with  mortuary  losses  fur  the  first  year,  ])retty  much  all  the  iiiv-l 
year's  premiums.  Dr.  Zillmer  had  in  view  <»iily  ordinary  life  policies, 
however. 

Some  years  later  Dr.  T.  B.  Sprague,  the  most  distinguished  actuary 
of  Great  Ih-itain,  endorsed  this  plan  warmly,  as  suitable  for  use  in 
Great  Britain  under  the  conditions  which  obtained  there;  but  he  made 
the  reservation  that  it  was  true  only  of  the  whole  life  plan  and  that 
from  larger  ])remiums  souie  reserve  should  be  nuide  the  first  year. 

Precisely  the  same  guarded  endorsement  of  the  ])rinciple  was  given 
.several  years  ago  by  Mr.  Emory  McClintock,  actuary  of  the  Mutual 
Life  Insurance  Company  of  IS^ew  York. 

The  reasoning  which  supports  this  view  seems  to  be  that  Avhile 
a  whole  life  policy  is  a  life  insurance,  a  limited  payment  life  policy 
is  an  insurance  with  an  addition  to  the  premium  each  and  every  year, 
including  ilie  first,  to  prepay  the  whole  life  premiums  that  would  fall 
due  after  the  limitcd-]n-emium  period,  and  an  endowment  ]iolicy  is  an 
insurance  with  an  addition  to  the  wliolci  life  prcminm  cncii  year,  vi- 
chiding  the  first,  to  cause  the  policy  to  mature  at  the  expiration  oi  the 
endowment  period.  In  consequence,  there  should  be  reserved  from  this 
excess  premium  what  was  designed  for  tlie  purpose  and  is  required 
for  its  fulfillment. 

Tlie  foregoing  calls  for  net  ]n-emiums  and  reserves  by  the  follow- 
ing formulas : 

43 


44  MODIFIED    PRELIMINARY    TERM    RESERVES. 

Life.     Net  premium  1st  year  P  ^  ^-.     Thereafter  Px+i- 
Terminal  Reserve.     1st  year  0.     nth  year  n-iVx+i- 
Life,  paid-up  in  t  years.         1st  year.  Thereafter 

Net  premium  P  ^  _  +  ex  tt     P^^^  +  ex  ^ 
A       V 


CA    " 

t"x 

.     1st 

.        N,-Nx.. 

nth 

1  year. 

Terminal  Reserve 

year. 

"x' 

(ex  ^)            ._,  V 

x+l 

+  x.^x 

(ex.) 

Endowment  in  m 

years. 

Net  Premium. 

1st 

year. 

Thereafter 

P 

1 

X  1 

+  ex 

^       Px.l 

+  ex  n- 

l-,n-l^x- 

fl 

.11. 


Terminal  Reserve.     1st  year.  nth  year. 

u^(ex.)  n-iVx+i  +  ni^x(ex  ^) 

The  moan  reserves  are  derived  from  the  terminal  reserves  and 
the  net  premiums  by  the  usual  process. 

For  fuller  description,  see  "Practical  Lessons  in  Actuarial 
Science." 

This  system  of  valuation  has  received  the  unqualified  approval, 
as  strictly  within  his  original  recommendation,  of  Mr.  McClintock, 
who,  in  a  discussion  of  "Select  and  Ultimate"  reserves,  which  he  has  also 
endorsed,  said  in  part : 

"One  year  term  companies,  according  to  Dr.  Sprague's  original 
system,  begin  the  reserve  the  second  year,  on  the  ordinary  life  plan, 
and  other  policies  have  correspondingly  reduced  reserves  at  the  end 
of  the  first  year,  because  Dr.  Sprague's  original  proposition  referred 
only  to  the  ordinary  life  policy  and  the  principle  of  it  would  require 
some  reserve  on  higher  premium  policies  in  order  not  to  introduce 
discrimination  between  policy  holders  of  the  same  age.  The  comimnies 
which  operate  on  Dr.  Sprague's  original  proposition  have  my  entire 
eympathy  and  support.  Nothing  can  be  said  too  strong  to  corroborate 
Mr.  Fackler's  statement  that  the  net  valuation  law  has  in  the  past 
strangled  many  small  companies  which  might  have  gone  on  and  be- 
come good  companies.  Nothing  can  be  more  true  than  that  the  older 
companies  to-day  w'ould  not  be  in  existence  if  the  present  net  valuation 
law  had  been  stringently  enforced  during  the  first  few  years  of  their 
existence." 

It  is  obviously,  also,  strictly  within  the  limitations  laid  down  by 
Dr.  Zillmer  and  by  Dr.  Spraguc. 


MODIFIED    PRELIMINARY    TERM    RESERVES. 


45 


For  convenience,  in  comparison  with  the  allowance  for  preliminary 
expenses  under  the  "Select  and  Ultimate"  system,  the  amount  of  the 
allowance  on  this  modified  preliminary  term  plan  is  given.  It  is,  of 
course,  the  same  without  regard  to  plan. 

Several  American  companies  are  operating  on  this  plan,  some  of 
which  give  a  larger  guaranty  at  the  end  of  a  limited-payment  period 
than  the  net  single  premium  at  the  attained  age,  and  in  consequence 
charge  themselves  with  yet  larger  reserves. 

The  reserves  on  the  Life  plan,  preliminary  term,  are  not  given. 
They  are  the  one  year  term  reserve  the  first  year  and  for  the  nth  year 
n_i^x  +  i  and  n_i  MV^^j  by  the  table  of  net  premium  reserves  on  the 
usual  basis. 

The  following  table  shows  the  amount  of  the  provision  by  this 
process,  including  all  the  loading  on  the  first  year's  premiums,  gross 
premiums,  3%,  being  as  in  the  'New  York  Life  and  other  companies, 
and  3^%,  as  in  the  Massachusetts  companies,  for  certain  selected  ages 
and  j)lans : 

30/0 


Plan. 

Preminm. 

Loading. 

Allowed. 

Total. 

Per  cent 

Life, 

28.11 

6.37 

13.05 

19.42 

.69 

Life,  20  P., 

38.34 

7.56 

13.05 

20.61 

.54 

Life,  15  P., 

45.91 

8.43 

13.05 

21.48 

.47 

Life,  10  P., 

61.53 

10.26 

13.05 

23.31 

.38 

End.  20  Years, 

52.47 

9.57 

13.05 

22.62 

.43 

End.  15  Years, 

70.50 

11.95 

13.05 

25.00 

.35^ 

End.  10  Years, 

107.70 

16.85 

13.05 

29.90 

.28 

Plan. 

Premium. 

Loading. 

Allowed. 

Total. 

Per  cent. 

Life, 

27.30 

6.75 

11.90 

18.  Go 

.68 

Life,  20  P., 

86.00 

7.72 

11.90 

19.62 

.54M! 

Life,   15  P., 

42.00 

8.49 

11.90 

20.39 

.48 

Life,  10  P., 

56.30 

10.08 

11.90 

21.98 

.39 

End.  20  Years, 

50.80 

9.80 

11.90 

21.70 

.42 

End.  15  Years. 

GS.OO 

12.18 

11.90 

24.08 

.34 

End.  10  Years, 

105.60 

17.43 

11.90 

29.33 

.28 

By  comparing  ^vith  similar  tables,  showing  the  provision  by  the 
"Select  and  Ultimate"  process,  it  is  seen  that  the  former  approximates 
the  latter  somewhat  closely.  This  exemplifies  how  nearly  the  trained 
judgment  of  the  three  great  actuaries  who  set  this  limitation  upon 
the  proper  application  of  the  preliminary  terra  principle,  by  an  en- 
tirely empirical  process,  arrived  at  the  same  criterion  for  profitable 
expenditure  for  new  business  which  a  strictly  scientific  method  has 
developed. 


46  MODIFIED    PRELIMINARY   TERM    RESERVES. 

This  method  is  sometimes  also  called  "non-discriminating,"  the 
idea  being  that  if  the  usual  preliminary  term  method  were  held  to  be 
in  violation  of  the  anti-discrimination  statutes,  as  involving  charging 
members  of  the  same  age  different  rates  of  premium  for  one  year's 
insurance,  it  would  not  be  open  to  the  same  objection. 

Some  of  the  companies  making  use  of  the  plan  show  higher 
reserves  for  limited  payment  policies.  This  is  due  to  their  giving 
guaranteed  cash  values  in  excess  of  the  ordinary  reserves  at  the  end  of 
the  period. 

The  Life  reserves  which  are  omitted,  are  the  usual  reserves  for  a 
period  one  year  less  and  an  age  one  year  higher,  after  the  first  year  of 
insurance ;  and  half  the  net  one  year  term  premium  for  the  first  year's 
mean  reserve. 


Am 
Ex. 


3% 


MODIFIED  PRELIMINARY  TERM, 
TERMINAL  RESERVES. 


Ill 


MODIFIED  PRELIMINAIIY  TERM. 


Am.  ■ 
Ex.   -' 

% 

TERMINAL  RESERVES. 

% 

W    /  ^^^ 

LIFE  PAID-UP  IN 

20  YEARS. 

Ase. 

1st  Year. 

3d   Yenr. 

ad   Year. 

4tb  Year. 

Gth  Ycop. 

21 

9.29 

26.59 

44.51 

63.05 

82.25 

22 

9.33 

26.07 

45.24 

64.15 

83.73 

23 

9.37 

27.37 

46.00 

65.28 

85.25 

24 

9.40 

27.77 

40.78 

66.45 

86.82 

25 

9.43 

28.17 

47.57 

67.05 

88.42 

26 

9.46 

28.59 

48.39 

68.87 

90.07 

27 

9.48 

29.01 

49.21 

70.12 

91.77 

28 

9.49 

29.43 

50.06 

71.41 

93.50 

29 

9.50 

29.80 

50.93 

72.73 

95.28 

30 

9.50 

30.31 

51.82 

74.08 

97.10 

31 

9.50 

30.76 

52.73 

75.46 

98.97 

32 

9.40 

31.19 

53.65 

76.87 

100.88 

33 

9.47 

31.65 

54.61 

78.32 

102.84 

34 

9.44 

32.12 

55.57 

79.81 

104.85 

35 

9.40 

32.59 

56.55 

81.31 

106.89 

36 

9.35 

33.07 

57.56 

82.85 

108.97 

37 

9.29 

33.53 

58.50 

84.41 

111.11 

38 

9.22 

34.01 

59.00 

86.03 

113.29 

39 

9.13 

34.49 

60.66 

87.66 

115.53 

40 

9.03 

34.98 

61.75 

89.35 

117.82 

41 

8.92 

35.47 

62.85 

91.07 

120.15 

42 

8.79 

35.97 

63.96 

92.81 

122.50 

43 

8.65 

36.46 

65.09 

94.56 

124.87 

44 

8.50 

36.96 

66.23 

96.33 

127.26 

45 

8.32 

37.44 

67.37 

98.11 

129.63 

40 

8.13 

37.92 

68.50 

99.86 

131.98 

47 

7.92 

38.39 

69.60 

101.58 

134.29 

48 

7.70 

38.83 

70.68 

103.25 

136.55 

49 

7.46 

39.25 

71.73 

104.91 

138.80 

50 

7.19 

39.65 

72.77 

106.56 

141.02 

51 

6.91 

40.03 

73.80 

108.18 

143.20 

52 

6.62 

40.41 

74.81 

109.79 

145.36 

53 

6.30 

40.77 

75.80 

111.37 

147.49 

54 

5.97 

41.12 

76.77 

112.93 

149.59 

55 

5.03 

41.45 

77.75 

114.49 

151.67 

50 

^  MODIFIED  PEELIMINAEY  TERM. 

Ex'  3%  TERMINAL  RESERVES. 

LIFE  PAID-UP  IN  20  YEARS. 


Agre. 

Gtli  Year. 

7tli  Year. 

Stli  Year. 

9tU  Year. 

lOth  Year. 

21 

102.13 

122.73 

144.04 

166.13 

188.99 

22 

104.00 

125.00 

146.73 

169.24 

192.54 

23 

105.93 

127.33 

149.48 

172.44 

196.20 

24 

107.91 

129.73 

1.52.33 

175.73 

199.96 

25 

109.93 

132.20 

155.25 

179.10 

203.80 

26 

112.02 

134.74 

158.25 

182.58 

207.77 

114.10 

137.34 

161.33 

186.15 

211.85 

2S 

116.36 

140.00 

164.48 

189.81 

216.01 

29 

118.60 

142.75 

167.72 

193.55 

220.28 

ao 

120.92 

145.56 

171.05 

197.39 

224.65 

31 

123.29 

148.44 

174.44 

201.33 

229.12 

32 

125.71 

151.37 

177.90 

205.33 

233.69 

33 

128.19 

154.38 

181.46 

209.45 

238.38 

34 

130.73 

157.47 

185.10 

213.65 

243.17 

35 

133.31 

160.61 

188.82 

217.95 

248.05 

36 

135.96 

163.83 

192.62 

222.33 

253.03 

37 

138.67 

167.12 

196.49 

226.82 

258.10 

38 

141.44 

170.48 

200.45 

231.36 

263.24 

39 

144.27 

173.92 

204.48 

235.99 

268.45 

40 

147.16 

177.40 

208.56 

240.65 

273.69 

41 

150.09 

180.94 

212.69 

245.35 

278.95 

42 

153.06 

184.50 

216.82 

250.04 

284.18 

43 

156.04 

188.06 

220.94 

254.71 

289.40 

44 

159.02 

191.61 

225.05 

259.36 

294.58 

45 

161 .96 

195.12 

229.10 

263.96 

299.69 

46 

164.89 

198.60 

233.13 

268.49 

304.72 

47 

167.77 

202.02 

237.08 

272.94 

309.^66 

48 

170.60 

205.39 

240.95 

277.31 

314.49 

49 

173.39 

208.70 

244.75 

281.57 

319.21 

50 

176.15 

211.97 

248.49 

285.77 

323.82 

51 

178.86 

215.17 

252.16 

289.86 

328.31 

52 

181.54 

218.32 

255.75 

293.84 

332.66 

53 

184.17 

221.41 

259.24 

297.70 

336.86 

54 

180.76 

224.44 

262.65 

301.45 

340.90 

55 

180.30 

227.39 

265.96 

305.06 

344.78 

Am 
Ex. 


51 


^  MODIFIED  rRELi:MINAKY  TEini. 

3%  TEEMINAL  HESEini^:S. 

LIFE  PAID-UP  IN  20  YEARS. 


Aee. 

lltU  Year. 

12tli  Year. 

ISth  Year. 

14th  Year. 

ICth  Year. 

21 

212.67 

237.20 

262.60 

288.92 

316.19 

22 

216.60 

241.67 

267.56 

294.38 

322.16 

23 

220.80 

246.27 

272.66 

299.98 

328.29 

24 

225.04 

2.51.01 

277.90 

305.75 

334.59 

25 

229.38 

255.85 

283.27 

311.65 

341.04 

26 

233.85 

260.84 

288.79 

317.71 

347.66 

27 

238.43 

265.95 

294.43 

323.92 

354.44 

28 

243.12 

271.18 

300.22 

3.30.27 

361.39 

29 

247.94 

276.54 

306.14 

336.77 

368.49 

30 

252.85 

282.02 

312.20 

343.43 

375.74 

31 

257.88 

287.63 

318.41 

350.23 

383.16 

32 

263.02 

293.36 

324.72 

357.15 

390.70 

33 

268.29 

299.22 

331.18 

364.22 

398.39 

S4 

273.67 

305.19 

337.75 

371.41 

406.18 

35 

279.15 

311.26 

344.43 

378.69 

414.08 

36 

284.72 

317.43 

351.20 

386.06 

422.03 

37 

290.38 

323.69 

358.05 

303.49 

430.05 

38 

296.12 

330.00 

364.92 

400.95 

4.38.12 

39 

301.89 

336.35 

371.84 

408.43 

446.18 

40 

307.69 

342.70 

378.75 

415.91 

454.22 

41 

313.50 

349.06 

385.66 

423.38 

462.26 

42 

319.28 

355.38 

302.53 

430.78 

470.22 

43 

325.04 

361.67 

399.33 

438.12 

478.11 

44 

330.73 

367.87 

406.06 

445.36 

485.90 

45 

336.35 

373.99 

412.67 

452.50 

493.54 

46 

341.87 

379.99 

419.16 

459.47 

501.02 

47 

347.29 

385.87 

425.51 

466.28 

508.33 

48 

352.57 

391.60 

431.67 

472.90 

515.41 

49 

357.72 

397.16 

437.64 

479.28 

522.25 

no 

362.73 

402.56 

443.42 

485.46 

528.85 

51 

367.58 

407.77 

448.98 

491.38 

535.16 

52 

372.20 

412.78 

454.. 31 

497.03 

541.16 

53 

376.77 

417.56 

4.59.36 

502.35 

546.79 

54 

381.08 

422.10 

464.12 

507.34 

552.06 

55 

385.16 

426.37 

468.56 

511.95 

556.88 

52 


MODIFIED  PRELIMINAEY  TERM. 


Am.  i 
Ex.   , 

J% 

TERMINAL  RESERVES. 

^ 

w  /  ^^ 

LIFE  PAID-UP  IN 

20  YEARS. 

Agre. 

IGth   Year. 

17th  Ye«r. 

ISth   Year. 

loth  Year.       20tb  Year. 

21 

344.43 

373.69 

404.00 

435.43 

408.00 

22 

350.93 

380.74 

411.03 

443.03 

470.80 

23 

357.60 

387.97 

419.42 

452.02 

485.83 

24 

364.46 

395.39 

427.44 

460.06 

495.10 

25 

371.47 

402.99 

435.65 

409.50 

504.58 

20 

378.68 

410.80 

444.08 

478.56 

514.30 

27 

386.05 

418.79 

452.70 

487.83 

524.23 

28 

393.60 

426.95 

461.51 

497.29 

534.37 

29 

401.32 

435.30 

470.49 

506.94 

544.70 

30 

409.20 

443.81 

479.66 

516.77 

555.22 

31 

417.24 

452.49 

488.99 

526.76 

565.89 

32 

425.40 

461.30 

498.43 

536.88 

576.71 

33 

433.72 

470.25 

508.03 

547.14 

587.67 

34 

442.13 

479.28 

517.72 

557.50 

598.74 

35 

450.03 

488.41 

527.50 

507.97 

609.92 

36 

459.20 

497.60 

537.35 

578.50 

621.18 

37 

467.82 

506.87 

547.25 

589.09 

632.51 

38 

470.48 

516.14 

557.18 

599.71 

643.89 

39 

485.15 

525.42 

567.12 

010.37 

055.30 

40 

493.78 

5.34.69 

577.03 

020.99 

666.72 

41 

502.41 

543.92 

586.94 

631.60 

678.13 

42 

510.94 

553.07 

590.75 

042.16 

689.49 

43 

519.41 

562.15 

606.49 

652.63 

700.83 

44 

527.76 

571.10 

616.11 

663.00 

712.08 

45 

535.96 

579.90 

625.58 

673.26 

723.24 

4(5 

543.99 

588.53 

034.88 

683.34 

734.27 

47 

551.81 

596.94 

043.98 

093.25 

745.16 

48 

559.41 

605.13 

052.84 

702.94 

755.89 

49 

566.75 

613.03 

001.43 

712.37 

766.41 

50 

573.82 

620.66 

009.75 

721.55 

776.73 

51 

580.58 

627.95 

077.72 

730.44 

786.82 

52 

586.99 

634.88 

085.34 

738.99 

796.67 

53 

593.01 

641.40 

092.55 

747.19 

806.27 

54 

598.61 

647.49 

099.35 

755.04 

815.70 

r.5 

003.74 

653.10 

705.72 

702.57 

824.93 

53 

:\i()DiFiEi)  prelt:minary  term. 


% 

TEKMINAL  KESEKYES. 

%^ 

w    /  ^^ 

LIFE  l^AID-Ur  IN 

15  YEARS. 

Ape. 

l8t   Year. 

2d   Year.                 3d   Year. 

4tli   Year. 

5th   Year. 

21 

14.1t3 

38.00                    61.95 

80.70 

112.47 

22 

15.01 

38.55                    62.94 

88.21 

114.40 

23 

15.13 

.39.12                   63.97 

89.70 

110.38 

24 

15.25 

39.69                    65.01 

91.24 

118.42 

25 

15.37 

40.27                    06.08 

92.81 

120.51 

2G 

15.49 

40.88                   67.19 

94.43 

122.05 

27 

15.60 

41.49                    68.31 

90.08 

124.80 

2S 

15.71 

42.11                     69.46 

97.78 

127.12 

29 

15.82 

42.74                    70.64 

99.52 

129.44 

30 

15.92 

43.39                    71.85 

101.30 

131.82 

31 

16.02 

44.06                     73.08 

103.12 

134.25 

32 

16.11 

44.71                     74.33 

104.99 

130.74 

33 

10.20 

45.39                    75.62 

106.00 

139.20 

34 

16.28 

46.08                     70.92 

108.85 

141.89 

35 

16.35 

40.76                     78.25 

110.82 

144.54 

36 

16.41 

47.47                    79.60 

112.84 

147.23 

37 

16.46 

48.15                    80.95 

114.87 

149.98 

38 

16.50 

48.86                    82.34 

110.97 

152.78 

39 

16.58 

49.57                    83.75 

119.09 

155.04 

40 

16.53 

50.29                    85.18 

121.25 

158.55 

41 

16.53 

51.00                   86.63 

123.44 

161.49 

42 

16.51 

51.72                    88.08 

125.00 

164.46 

43 

16.47 

52.42                    89.55 

127.87 

167.44 

44 

16.42 

53.13                    91.01 

130.10 

170.42 

45 

16.34 

53.82                    92.47 

132.32 

173.37 

46 

16.24 

54.49                   93.90 

134.49 

176.28 

47 

16.12 

55.14                    95.29 

130.01 

179.13 

48 

15.97 

.55.75                    96.63 

138.67 

181.91 

49 

15.80 

56.31                    97.93 

140.68 

184.63 

50 

15.60 

56.84                    99.18 

142.63 

187.27 

51 

15.36 

57.33                   100.35 

144.51 

189.82 

52 

15.10 

57.78                  101.51 

146.32 

192.27 

53 

14.80 

58.18                  102.58 

148.03 

194.02 

54 

14.40 

58.53                  103.58 

149.60 

190.85 

55 

14.09 

5S.82                   104.51 

151.20 

198.97 

50 

13.69 

.59.07                   105.38 

152.05 

200.  M 

57 

13.25 

59.27                   106.16 

153.97 

202.77 

58 

12.77 

59.40                   100.85 

155.17 

204.44 

59 

12.25 

59.48                   107.40 

150.25 

205.95 

60 

11.71 

59.50                   107.97 

157.19 

207.28 

64 


]^IOI)IFIED  niELIMINARY  TERM. 


Am." 
Ex.   J 

\% 

TERMINAL  RESERVES. 

^ 

§   /^^ 

LIFE  PAID-UP  IX 

15  YEARS. 

ABre. 

6th   Year. 

7th   Year. 

8tU  Year. 

9th  Year.          10th   Year. 

21 

130.11 

166.73 

195.34 

225.01 

255.76 

22 

141.53 

169.66 

198.80 

229.00 

260.31 

23 

144.02 

172.66 

202.34 

233.13 

265.01 

24 

146.58 

175.76 

206.00 

237.34 

269.82 

25 

149.20 

178.04 

209.75 

241.68 

274.77 

2G 

1.51.91 

182.21 

213.61 

246.15 

279.87 

27 

154.68 

185.56 

217.57 

2.50.73 

285.11 

28 

157.51 

189.00 

221,62 

255.43 

290.46 

29 

1G0.43 

192.54 

225.80 

260.26 

295.97 

30 

163.42 

196.16 

230.08 

265.20 

301.60 

31 

166.49 

199.87 

234.45 

270.27 

307.37 

32 

169.63 

203.66 

238.92 

275.44 

313.27 

33 

172.83 

207.54 

243.50 

280.73 

319.31 

34 

170.10 

211.51 

248.17 

286.14 

325.48 

35 

179.43 

215.55 

252.95 

291.67 

331.78 

3G 

1S2.83 

219.68 

257.82 

297.30 

338.20 

37 

186.30 

223.88 

262.77 

303.05 

344.72 

38 

189.84 

228.17 

267.83 

308.88 

351.35 

39 

193.43 

232.54 

272.96 

314.79 

358.06 

40 

197.10 

236.95 

278.16 

320.77 

364.84 

41 

200.79 

241.42 

283.41 

326.79 

371.64 

42 

204.53 

245.92 

288.66 

332.81 

378.45 

43 

208.27 

2.50.41 

293.91 

338.83 

385.26 

44 

212.00 

254.88 

299.14 

344.83 

392.04 

45 

215.68 

259.32 

304.31 

350.77 

398.76 

46 

219.34 

263.70 

309.44 

3.56.64 

405.41 

47 

222.91 

267.98 

314.46 

362.40 

411.94 

48 

226.40 

272 . 20 

319.40 

368.08 

418.38 

49 

229.81 

276.31 

324.20 

373.60 

424.66 

50 

233.13 

280.31 

328.88 

379.00 

430.79 

51 

236.34 

284.18 

333.43 

.384.23 

436.72 

52 

239.44 

287.91 

337.80 

389.25 

442.45 

53 

242.42 

291.49 

.      341.98 

394.06 

447.94 

54 

245.22 

294.87 

345.95 

398.62 

453.15 

55 

247.89 

298.07 

349.69 

402.94 

458.08 

56 

250.37 

301.07 

353.19 

406.97 

462.67 

57 

252.68 

303.83 

356.42 

410.67 

466 . 90 

58 

254.78 

306.. 35 

359.34 

414.02 

470.73 

59 

256.68 

308.60 

361.95 

416.98 

474.11 

GO 

258.34 

310.55 

364.18 

419.51 

477.01 

:\rODlFIEl)  VKELLAIINAKY  TERM. 


Am.  I 
Ex.     ' 

\% 

TEKMIXAL  KESEIIVES. 

^ 

W    /  ^^ 

LIFE  l\ 

\1I)-U1»  IX 

15  YEAK8. 

Ase. 

lltU   Vear. 

12th   Yenr. 

13th   Yonr. 

14th   Yonr.        15th   Year. 

21 

287. as 

320.68 

354.96 

300.49 

427.36 

J'~ 

292.78 

326.42 

361.32 

397.51 

435.04 

23 

298.06 

332.34 

367.88 

404.73 

442.95 

24 

303.50 

338.41 

374.61 

412.14 

451.07 

25 

309.08 

344.65 

381.53 

419.76 

450.42 

26 

314.83 

351.07 

388.64 

427.60 

468.00 

27 

320.72 

357.65 

305.03 

435.62 

476.80 

28 

326.77 

364.36 

403.41 

443.86 

485.83 

20 

332.98 

371.28 

411.00 

452.32 

495.10 

30 

339.32 

378.42 

418.96 

460.00 

504.50 

31 

345.82 

385.68 

427.01 

4()0 .  S6 

514.30 

32 

352.48 

393.12 

435.24 

478.92 

524.23 

33 

359.28 

400.71 

443.66 

488.18 

534.37 

34 

366.24 

408.47 

452.24 

497.63 

544.70 

35 

373.33 

416,37 

460.98 

507.24 

555.22 

36 

380.54 

424.42 

469.87 

517.01 

565.80 

37 

387.88 

432.58 

478.89 

526.00 

570.71 

3S 

395.32 

440.85 

488.00 

530.02 

587.67 

39 

402.84 

449.19 

497.22 

547.02 

508.74 

40 

410.42 

457.60 

506.40 

557.22 

600.02 

41 

418.02 

466.06 

515.83 

567.49 

621.18 

42 

425.65 

474.53 

525.20 

577.80 

632.51 

43 

433.28 

483.00 

534.56 

588.13 

043.89 

44 

440.86 

401.44 

543.01 

508.45 

655.30 

45 

448.40 

499.83 

553.21 

608.77 

066.72 

46 

455.80 

508.15 

562.48 

610.04 

678.13 

47 

463.21 

516.36 

571.62 

629.23 

689.50 

48 

470.45 

524.47 

580.68 

639.35 

700.83 

40 

477.53 

532.41 

580.37 

649.33 

712.08 

50 

484.44 

540.19 

508.31 

659.18 

723.24 

51 

401.15 

547.74 

606.85 

668.85 

734.27 

52 

497.62 

555.07 

615.16 

678.33 

745.16 

53 

503.86 

562.14 

623.21 

687.57 

755 . 89 

54 

509.78 

568.89 

630.94 

606.53 

766.41 

55 

515.39 

575.32 

638.38 

705.22 

770.73 

56 

520.64 

581.37 

645.43 

733.57 

786.82 

57 

525.50 

587.00 

652.07 

721.57 

796.67 

58 

529.91 

592.16 

658.24 

720.18 

806.28 

59 

533.85 

506.83 

663.  !X; 

736.42 

815 . 70 

60 

537.23 

600.94 

660.10 

743.27 

824.93 

56 


Am. 
Ex. 


^  MODIFIED  PRELIMIXAEY  TERM. 

3%  TERMINAL  RESERVES. 

LIFE  PAID-UP  IN  10  YEARS. 


Afire. 

21 
22 
23 
24 
25 
26 
27 
28 
29 
30 
31 
32 
33 
34 
35 
36 
37 
38 
39 
40 
41 
42 
43 
44 
45 
40 
47 
48 
49 
50 
51 
52 
53 
54 
55 
50 
57 
58 
59 
GO 


26.32 
26.61 
26.90 
27.21 
27.52 
27.83 
28.14 
28.45 
28.77 
29.09 
29.41 
29.74 
30.06 
30.38 
30.60 
31.01 
31.32 
31.63 
31.92 
32.20 
32.48 
32.74 
32.99 
33.22 
33.43 
33.63 
33.80 
33.94 
34.06 
34.13 
34.18 
34.18 
34.14 
34.05 
33.90 
33.70 
33.44 
33.12 
32.73 


2d  Year. 

61.30 
62.19 
63.12 
64.07 
65.03 
66.05 
67.05 
68.09 
69.15 
70.24 
71.36 
72.49 
73.64 
74.83 
76.02 
77.25 
7S.47 
79.72 
80.98 
82.27 
83.54 
84.85 
86.14 
87.44 
88.72 
90.01 
91.26 
92.47 
93.65 
94.77 
95.84 
96.86 
97.81 
98.69 
99.47 
100.18 
100.79 
101.28 
101.66 
101.91 


3d  Year. 

4th  Year. 

5tU  Year. 

97.57 

135.18 

174.17 

99.09 

137.35 

177.03 

100.67 

139.59 

179.97 

102.28 

141.90 

183.00 

103.94 

144.28 

186.11 

105.67 

146.75 

189.31 

107.39 

149.24 

192.60 

109.19 

151.79 

195.98 

111.02 

154.44 

199.45 

112.91 

157.14 

203.02 

114.85 

159.92 

206.68 

116.81 

162.78 

210.43 

118.85 

165.69 

214.28 

120.91 

168.68 

218.22 

123.02 

171.72 

222 . 23 

125.17 

174.84 

226! 33 

127.34 

178.00 

230.53 

129.57 

181.25 

234.81 

131.82 

184.53 

239.17 

134.14 

187.89 

243.62 

136.46 

191.30 

248.13 

138.82 

194.75 

252.70 

141.19 

198.22 

257.32 

143.58 

201.73 

261.96 

145.97 

205.23 

266.60 

148.34 

208.72 

271.23 

150.69 

212.17 

275.83 

152.98 

215.57 

280.36 

155.23 

218.92 

284.86 

157.42 

222.20 

289.28 

159.55 

225.41 

293.62 

161.60 

228.52 

297.82 

103.55 

231.52 

301.92 

165.41 

2.34.40 

305.87 

167.16 

237.14 

309.05 

168.79 

239.73 

313.24 

170.27 

242.12 

316.62 

171.60 

244.32 

319.75 

172.75 

246.29 

322.61 

173.73 

248.01 

325.19 

Am, 
Ex. 


57 


MODIFIED  niELIMIXAEY  TEinr. 
^%  TERMINAL  KESEUVES. 

LIFE  TAID-Ur  IX  10  YEARS. 


Ase. 

6tU  Yenr, 

7th   Year. 

8tl»  Year. 

Otll  Year. 

loth  Year. 

21 

214. G2 

256.58 

300.09 

345.2.-. 

392.09 

22 

218.18 

260.87 

305.14 

351.07 

398.73 

23 

221.85 

265.27 

310.32 

357.07 

405.58 

24 

225.62 

269.82 

315.68 

363.26 

412.63 

25 

229.50 

274.50 

321.18 

369.62 

410.83 

26 

233.48 

279.32 

326.85 

376.15 

427.36 

27 

237.59 

284.26 

332.67 

382.90 

4.35.04 

28 

241.81 

289.35 

338.67 

389.84 

4-t2.95 

29 

246.14 

294.58 

344.83 

396.96 

451.07 

30 

250.60 

299.96 

351.16 

404.29 

459.42 

31 

255.18 

305.47 

357.65 

411.80 

468.00 

S2 

259.87 

311.12 

364.31 

419.51 

476.80 

33 

264.66 

316.92 

371.14 

427.41 

485.83 

34 

269.58 

322.86 

378.14 

4.35.52 

495.10 

35 

274.60 

328.93 

385.30 

443.82 

504.58 

36 

279.74 

335.15 

392.65 

452.31 

514.30 

37 

285.00 

341.51 

400.13 

461.02 

524.23 

38 

290.37 

347.99 

407.80 

469.89 

534.37 

39 

295.83 

354.61 

415.59 

478.92 

544.70 

40 

301.41 

361.34 

423.55 

488.13 

555.22 

41 

307.05 

368.18 

431.61 

497.46 

565.89 

42 

312.78 

375.10 

439.76 

506.90 

576.71 

43 

318.57 

382.08 

448.00 

516.46 

587.67 

44 

324.38 

389.10 

456.28 

526.09 

598.74 

45 

330.19 

396.15 

464.61 

535.80 

609.91 

40 

336.01 

403.20 

472.98 

545.55 

021.18 

47 

341.80 

410.23 

481.34 

555.33 

632.51 

48 

347.53 

417.23 

489.67 

565.12 

643.89 

49 

353.22 

424.18 

497.98 

574.90 

655.30 

50 

358.82 

431.05 

506.21 

584.65 

666.72 

51 

364.34 

437.83 

514.38 

594.35 

678.13 

52 

369.73 

444.49 

522.42 

603.93 

689.50 

53 

374.99 

451.01 

530.35 

613.43 

700.83 

54 

380.09 

457.37 

538.11 

622.80 

712.08 

55 

385.00 

463.51 

545.66 

632.01 

723.24 

56 

389.68 

469.44 

553.01 

641.04 

734.27 

57 

394.13 

475.11 

500.11 

649.8:3 

745.16 

58 

398.31 

480.49 

566.91 

658.39 

755.89 

59 

402.17 

485.53 

573.36 

666.63 

766.41 

60 

405.71 

490.20 

579.49 

674.56 

776.73 

58 


Am. 
Ex. 


MODIFIED  PRELIMINAEY  TERM. 
3%  TERMINAL  RESERVES. 

ENDOWMENT  IN  20  YEARS. 


A  PTC. 

1st  Year. 

2d  Yen  p. 

21 

27.29 

63.27 

22 

27.01 

63.06 

23 

26.71 

62.71 

24 

26.40 

62.41 

25 

26.07 

62.09 

26 

25.74 

61.78 

27 

25.38 

61.44 

28 

25.02 

61.08 

29 

24.64 

60.72 

30 

24.24 

60.35 

31 

23.82 

59.96 

32 

23.39 

59.54 

33 

22.94 

59.13 

34 

22.47 

58.71 

35 

21.99 

58.27 

36 

21.49 

57.83 

37 

20.97 

57.35 

38 

20.43 

56.89 

39 

19.87 

56.41 

40 

19.30 

55.93 

41 

18.71 

55.44 

42 

18.10 

54.97 

43 

17.48 

54.47 

44 

16.84 

53.99 

45 

1G.18 

53.49 

46 

15.51 

53.00 

47 

14.83 

52.51 

48 

14.13 

51.99 

49 

13.43 

51.47 

50 

12.71 

50.94 

51 

11.90 

50.42 

52 

11.26 

49.92 

53 

10.53 

49.43 

54 

9.79 

48.95 

55 

9.06 

48.. 50 

56 

8.34 

48.08 

57 

7.61 

47.69 

58 

6.90 

47.33 

59 

6 .  20 

46.99 

CO 

5.51 

46.71 

ltd  Year. 

4tl»  Yeai 

100.59 

139.28 

100.31 

139.01 

100.04 

138.74 

99.75 

138.46 

99.45 

138.17 

99.14 

137.86 

98.81 

137.55 

98.47 

137.22 

98.13 

136.90 

97.77 

136.56 

97.41 

136.20 

97.02 

135.85 

96.64 

135.51 

96.25 

135.14 

95.85 

134.77 

95.44 

134.39 

95.03 

134.02 

94.62 

133.68 

94.21 

133.34 

93.82 

133.02 

93.44 

132.72 

93.06 

132.43 

92.69 

132.15 

92.33 

131.89 

91.97 

131.64 

91.61 

131.37 

91.25 

131.10 

90.86 

130.80 

90.49 

130.51 

90.11 

130.25 

89.76 

130.00 

89.43 

129.79 

89.12 

129.60 

88.84 

129.47 

88.61 

129.39 

88.42 

129.36 

88.28 

129.38 

88.18 

129.46 

88.13 

129.60 

88.14 

129.80 

179.40 
179.15 
178.88 
178.60 
178.32 
178.02 
177.73 
177.41 
177.09 
176.77 
176.43 
176.09 
175.76 
175.43 
175.08 
174.74 
174.42 
174.11 
173.83 
173.56 
173.33 
173.11 
172.90 
172.70 
172.50 
172.29 
172.07 
171.82 
171.61 
171.38 
171.20 
171.04 
170.93 
170.87 
170.86 
170.91 
171.02 
171.19 
171.42 
171.72 


59 

modified  preliminary  term. 
f1a%         terminal  reserves, 
endowment  in  20  years. 


Ase. 

GtU  Venr. 

7th  Yenr. 

8tli  Year. 

Otli  Year. 

lOtU  Year. 

21 

221.02 

2(M.20 

308.98 

355.44 

403.62 

22 

220.77 

2(i3.9r) 

308.73 

355.20 

403.40 

23 

220.51 

2(53 .  68 

308.47 

354.94 

403.17 

24 

220.21 

2(!3.42 

308.21 

354.70 

402.00 

25 

219.96 

263.16 

307.95 

354.43 

402.65 

26 

219.68 

262.87 

307.68 

354.16 

402.38 

27 

219.38 

262.59 

307.39 

353.88 

402.12 

2S 

219.08 

262.28 

307.10 

353.59 

401.82 

29 

218.76 

261.99 

306.80 

353.30 

401.52 

30 

218.46 

261.69 

306.52 

352.99 

401.23 

31 

218.14 

261.37 

306.20 

352.69 

400.92 

32 

217.82 

261.05 

305.88 

352.36 

400.00 

33 

217.40 

260.74 

305.58 

352.07 

400.30 

34 

217.17 

260.44 

305.27 

351.77 

400.01 

35 

216.8-1 

260.12 

304.99 

351.49 

399.71 

36 

216.53 

259.83 

304.71 

351.21 

399.44 

37 

216.24 

2.59.57 

304.46 

350.97 

399.18 

38 

215. 9S 

259.32 

304.22 

350.74 

398.94 

39 

215.73 

259.12 

304.02 

350.50 

398.71 

40 

215.51 

258.91 

303.83 

350.32 

398.44 

41 

215.31 

258.74 

303.65 

350.11 

398.18 

42 

215.14 

258.59 

303.47 

349.88 

397.89 

43 

214.98 

258.42 

303.27 

349.63 

397.56 

44 

214.80 

258.23 

303.06 

349.34 

397.20 

45 

214.62 

258.04 

302.81 

349.04 

396.79 

46 

214.43 

257.84 

302.57 

348.70 

396.34 

47 

214.22 

257.60 

302.28 

348.31 

395.83 

48 

213.99 

257.34 

301.96 

347.90 

395.27 

49 

213.77 

257.09 

301.62 

347.44 

394.68 

50 

213.57 

256.85 

301.28 

346.99 

394.07 

51 

213.38 

256.61 

300.97 

346.53 

393.43 

52 

213.21 

256.42 

300.67 

346.08 

392.77 

53 

213.13 

256.26 

300.39 

345.63 

392.10 

54 

213.08 

256.15 

300.15 

345.19 

391.43 

55 

213.07 

256.06 

299.92 

344.76 

390.74 

56 

213.12 

256.04 

299.75 

314.38 

390.03 

57 

213.23 

256.06 

299.61 

343.97 

389.29 

58 

218.39 

2.56.14 

299.49 

343.55 

388.50 

59 

213.60 

256.23 

299.35 

343.08 

387.58 

60 

213.89 

256.36 

299.23 

342.58 

386.60 

60 


MODIFIED  PRELIMINAEY  TERM. 


Am." 
Ex.   J 

J% 

TERMINAL  RESERVES. 

1 

#    /\-^ 

ENDOWMENT  IN  20  YEARS 

• 

Ase. 

lltli   Year, 

12tU   Year. 

13th  Year. 

14tU   Year.        15tli  Year. 

21 

453. G7 

505.59 

559.49 

615.45 

673.57 

22 

453.44 

505.30 

559.27 

615.24 

673.37 

23 

453.20 

505.13 

559.05 

615.02 

673.17 

24 

452.94 

504.88 

558.80 

614.80 

672.94 

25 

452.70 

504.04 

558.57 

614.57 

672.73 

20 

452. 4:i 

504.38 

558.31 

614.32 

672.49 

27 

452.10 

504.12 

558.05 

634.05 

672.25 

28 

4.51.87 

503.81 

557.75 

613.76 

671.96 

29 

451.58 

503.52 

557.46 

613.47 

671.69 

30 

451.28 

503.23 

557.17 

613.20 

671.41 

31 

450 . 95 

502.91 

556.85 

612.88 

671.10 

32 

450.04 

502.59 

556.52 

612.55 

670.78 

33 

450.34 

502.28 

556.21 

612.23 

670.45 

34 

4.50.04 

501.98 

555.89 

611.90 

070.11 

35 

449.71 

501.60 

555.55 

611.54 

669.78 

36 

449.45 

501.34 

555.21 

611.10 

609.33 

37 

449.17 

501.04 

554.86 

610.77 

668.90 

38 

448.91 

500.72 

554.49 

610.35 

668.44 

39 

448.02 

500.. 30 

554.07 

609.88 

667.93 

40 

448.29 

499.90 

553.59 

609.32 

667.32 

41 

447.95 

499.55 

553.10 

608.76 

666.70 

42 

447.58 

499.09 

552.54 

608.10 

665.90 

43 

447.17 

498.58 

551.92 

607.38 

605.17 

44 

440.70 

497.99 

551.22 

606.56 

664.28 

45 

440.18 

497.33 

550.42 

605.67 

663.27 

46 

445.60 

490.01 

549.57 

604.67 

662.18 

47 

444.95 

495.81 

548.60 

603.55 

600.96 

4S 

444.23 

494.92 

547.53 

602.33 

659.59 

40 

443.47 

493.90 

546.38 

600.99 

658.11 

50 

442.65 

492.93 

545.12 

599.53 

656.49 

51 

441.80 

491.85 

543.80 

597.98 

654.73 

52 

440.90 

490.08 

542.37 

596.29 

652.84 

53 

439.97 

489.40 

540.85 

594.46 

650.79 

54 

439.02 

488.18 

539.22 

592.51 

648.55 

55 

437.99 

480.79 

537.45 

590.35 

646.06 

56 

436.92 

485.31 

535.. 53 

588.01 

643.35 

57 

4.-^5.78 

483.70 

.533.42 

585.41 

640.34 

58 

434.52 

481.91 

531.07 

582.54 

637.02 

59 

433.09 

479.89 

528.43 

579.33 

633.38 

60 

431.52 

477.09 

525.61 

575.93 

629.54 

61 


MODIFIED  PRELIMINARY  TER:\r. 


Am.  ■ 
Ex.   , 

i% 

TERMINAL  RESERVES. 

^ 

w    /  ^^ 

ENDOWMENT  IN  20  YEARS. 

Agre. 

16*11  Year. 

17tU   Year. 

18tU    Year. 

19th   Year.       20tli   Year. 

21 

733.93 

706.64 

861.79 

929.54 

1000.00 

22 

733.75 

796.48 

861.69 

929.49 

1000.00 

23 

733.56 

796.32 

861.56 

929.41 

1000.00 

24 

733.35 

796.14 

861.41 

929.31 

1000.00 

25 

733.17 

795.98 

861.30 

929.24 

1000.00 

26 

732.95 

795.79 

861.15 

929.17 

1000.00 

27 

732.72 

795.59 

861.01 

929.09 

1000.00 

28 

732.45 

795.35 

860.84 

929.00 

1000.00 

29 

732.21 

795.14 

860.64 

928.89 

1000.00 

30 

731.95 

794.92 

860.42 

928.78 

1000.00 

31 

731.65 

794.64 

860.22 

928.64 

1000.00 

32 

731.34 

794.37 

860.02 

928.49 

1000.00 

33 

733.02 

794.07 

859.77 

928.33 

1000. 00 

34 

730.67 

793.74 

859.50 

928.16 

1000.00 

35 

730.20 

793.37 

859.18 

927.96 

1000.00 

30 

729.88 

792.98 

858.80 

927.76 

1000.00 

37 

729.44 

792.57 

858.51 

927.54 

1000.00 

3S 

728.96 

792.10 

858.11 

927.30 

1000.00 

39 

728.43 

791.59 

857.69 

927.04 

1000.00 

40 

727.82 

790.99 

857.21 

926.73 

1000.00 

41 

727.14 

790.34 

856.63 

926.36 

1000.00 

42 

726.36 

789.59 

855.98 

925.95 

1000.00 

43 

725.54 

788.80 

855.31 

925.53 

1000.00 

44 

724.61 

787.90 

854.54 

925.05 

1000.00 

45 

723.57 

786.89 

853.69 

924.51 

1000.00 

46 

722.43 

785.78 

852.75 

923.91 

1000.00 

47 

721.13 

784.54 

851.69 

923.24 

1000.00 

48 

719.71 

783.16 

850.50 

922.48 

1000.00 

49 

718.17 

781.65 

849.21 

921.65 

1000.00 

50 

716.45 

779.98 

847.76 

920.71 

1000.00 

51 

714.59 

778.14 

846.18 

919.70 

1000.00 

52 

712.58 

776.15 

844.45 

918.58 

1000.00 

53 

710.38 

773.98 

842.56 

917.37 

1000.00 

54 

707.96 

771.57 

840.46 

916.01 

1000.00 

55 

705.26 

768.87 

838.09 

914.46 

1000.00 

56 

702.32 

765.93 

835.53 

912.81 

1000.00 

57 

699.05 

762.69 

832.71 

910.98 

1000.00 

58 

695.49 

759.16 

829.63 

908.99 

1000.00 

59 

691.60 

755.31 

826.25 

906.73 

1000.00 

60 

687.49 

751.23 

822.63 

904.31 

1000.00 

62 


^rODIFIED  PRELIMINARY  TERM. 


Am.  ■ 
Ex.     ' 

% 

TERMINAL  RESERVES. 

\i 

/\^ 

ENDOWMENT  IN 

15  YEARS 

• 

AKe. 

1st  Year. 

2d  Year.                3d  Year. 

4th  Year.          5tli  Year. 

2\ 

43.73 

90.78                  151.81 

208.91 

268.14 

22 

43.44 

90.49                  151.53 

208.03 

207.88 

23 

43.14 

90.20                   151.25 

208.35 

207.01 

£4 

42.82 

95.89                  150.94 

208.00 

207.31 

25 

42.49 

95.50                   150.63 

207.75 

207.02 

2(> 

42.15 

95.24                   150.31 

207.43 

200.71 

27 

41 .  70 

94.89                  149.98 

207.09 

200.38 

28 

41.41 

94.51                   149.60 

200.74 

260.03 

29 

41.02 

94.13                   149.22 

200.38 

205.68 

30 

40.01 

93.73                  148.84 

200.00 

265.31 

31 

40.18 

93.. 32                  148.43 

205.59 

264.92 

3- 

39.73 

92.87                  147.99 

205.18 

264.51 

S:i 

30.26 

92.41                   147.56 

204.75 

204.09 

34 

38.77 

91.95                   147.09 

204.30 

203.64 

S5 

38.20 

91.40                   146.64 

203.81 

263.16 

sr. 

37.72 

90.95                   140.11 

203.32 

202.08 

37 

37.10 

90.38                   145.57 

202.80 

202.17 

3S 

30.. 17 

89.82                   145.03 

202.28 

201.05 

S9 

35.90 

89.24                   144.46 

201.73 

261.13 

40 

35.33 

88.04                  143.90 

201.18 

200.59 

41 

34.07 

S8.02                  143.31 

200.62 

200.04 

42 

33.98 

87.39                   142.71 

200.04 

259.47 

43 

33.27 

80.72                   142.09 

199.44 

258.87 

44 

32.54 

80.05                   141.44 

198.82 

258.24 

4r, 

31.77 

85.34                  140.78 

198.10 

257.55 

46 

30.99 

84.01                  140.07 

197.44 

250.80 

47 

30.17 

83.85                  139.32 

190.07 

255.98 

48 

29.33 

83.04                  1.38.51 

195.82 

255.09 

41) 

28.45 

82.20                  137.66 

194.93 

254.13 

50 

27.50 

81.33                  136.78 

194.00 

253.12 

51 

20.04 

80.41                   135.84 

193.00 

252.03 

52 

25.09 

79.48                  1.34.88 

191.90 

250 . 87 

58 

24.72 

78.50                   133.84 

190.84 

249.05 

5t 

23.71 

77.50                  132.79 

189.69 

248.36 

sr. 

22.09 

76.46                   131.70 

188.50 

240.99 

5G 

21.04 

75.41                   130.57 

187.25 

245.56 

57 

20.57 

74.33                  129.42 

185.94 

244.07 

58 

19.48 

73.23                  128.22 

184.59 

242.50 

50 

18.38 

72.10                   127.00 

183.20 

240.86 

60 

17.20 

70.90                   125.74 

181.74 

239.15 

G3 


^lODIFIEI)  PKELIMINxVKY  TEKM. 


Am.  ■ 
Ex.    J 

i% 

TERMINAL  UESEin  ES. 

^ 

w  /^-' 

ENDOWMENT  IN  15  YEARS 

• 

Age. 

Otli  Year. 

7tU   Year. 

8tli  Year. 

0th  Year.         lOtU  Year. 

21 

329.  (;i 

393.41 

459.62 

528.36 

599.70 

21! 

329.35 

393.16 

459.39 

528.13 

599.50 

23 

329.10 

392.90 

459.14 

527.90 

599.30 

24 

328.81 

392.63 

458.88 

.527.65 

599.05 

23 

328.52 

392.36 

458.62 

527.41 

598.84 

2G 

328.23 

392.08 

4,58.35 

527.16 

598.61 

27 

327.90 

391.76 

458.05 

526.87 

598.35 

2S 

327.57 

391.43 

457.73 

526.58 

598.07 

29 

'i21.-2\ 

391.10 

457.41 

526.26 

597.78 

SO 

32G.85 

390.76 

457.09 

525.95 

597.49 

31 

32G.49 

390.38 

456.72 

525.60 

597.15 

32 

326.09 

389.98 

456.33 

525.23 

596.81. 

33 

325.06 

389.57 

455.94 

524.83 

596.44 

34 

325.22 

389.13 

4.55.49 

524.42 

596.04 

3? 

324.74 

388.66 

455.04 

523.98 

595.62 

3<i 

324.27 

388.21 

454.59 

523.54 

595.20 

37 

323.77 

387.71 

4.54.10 

523.07 

594.75 

38 

323.26 

387.20 

455.60 

522.57 

594.26 

39 

322.73 

386.69 

4.53.08 

522.05 

593.75 

40 

322.21 

386.16 

452.55 

521.. 52 

593.20 

41 

321.66 

385.60 

451.97 

520.91 

592.59 

42 

321.09 

385.01 

451.34 

520.25 

591.92 

43 

320.48 

384.36 

4.50.67 

519.54 

591.17 

44 

319.80 

383.64 

449.89 

518.72 

590.34 

45 

310.07 

382.87 

449.05 

517.84 

589.42 

4G 

318.28 

382.00 

448.13 

516.85 

588.40 

47 

317.39 

381.02 

447.08 

515.73 

587.24 

48 

316.43 

379.99 

445.96 

514.53 

585.98 

49 

315 . 38 

378.84 

444.69 

513.18 

584.59 

50 

314.26 

377.62 

443.35 

511.75 

583.08 

51 

313.06 

376.27 

441.89 

510.16 

581.43 

52 

311.77 

374.84 

440.. 30 

508.44 

579.60 

53 

310.40 

373.30 

438.58 

506.. 57 

577.63 

54 

308.94 

371.65 

436.73 

.504.54 

575.47 

55 

307.38 

369.87 

434.72 

502.33 

573.14 

5G 

305.72 

367.97 

432.59 

502.33 

570.59 

57 

303.99 

365.96 

430.30 

499.93 

567.84 

58 

302.15 

.363.83 

427.80 

497.43 

564.84 

59 

300.22 

361.55 

425.22 

4f»4 .  ^^^ 

561.58 

60 

298.17 

359.11 

422.33 

488.44 

558.01 

64 


]^[ODIFIED  PRELIMINARY  TERM. 


Am.  ■ 
Ex.    - 

i% 

TERMINAL  RESERVES. 

^ 

W    1^^ 

ENDOWMENT  IN  15  YEARS. 

Age. 

lltU  Year. 

IStli  Year. 

13tU  Year. 

14tU   Year.       15th   Year. 

21 

673.80 

750.74 

830.67 

913.70 

1000.00 

22 

673.1)3 

750.59 

830.56 

913.64 

1000.00 

23 

673.4-1 

750.48 

830.47 

913.58 

1000.00 

24 

673.21 

750.25 

830.30 

913.51 

1000.00 

25 

673.03 

750.10 

830.19 

913.44 

1000.00 

20 

672.83 

749.94 

830.08 

913.38 

1000.00 

27 

072.59 

7i9.73 

829.90 

913.27 

1000.00 

28 

672.34 

749.52 

829.76 

913.19 

1000.00 

29 

672.07 

749.29 

829.57 

913.10 

1000.00 

30 

671.82 

749.08 

829.43 

913.01 

1000.00 

31 

671.51 

748.82 

829.23 

912.89 

1000.00 

32 

671.21 

748.56 

829.02 

912.77 

1000.00 

33 

670.86 

748.26 

828.79 

912.64 

1000.00 

34 

670.50 

747.94 

828.53 

912.49 

1000.00 

35 

670.12 

747.60 

828.27 

912.33 

1000.00 

36 

669.72 

747.25 

827.99 

912.16 

1000.00 

37 

669.29 

740.88 

827.69 

911.98 

1000.00 

38 

66S.S3 

746.45 

827.34 

911.76 

1000.00 

39 

668.32 

745.99 

826.97 

911.53 

1000.00 

40 

667.78 

745.49 

826.56 

911.29 

1000.00 

41 

667.18 

714.93 

826.10 

911.01 

1000.00 

42 

666.54 

744.34 

825.62 

910.71 

1000.00 

43 

665.80 

743.66 

825.05 

910.37 

1000.00 

44 

664.90 

742.87 

824.48 

909.96 

1000.00 

45 

664.05 

742.03 

823.71 

909.53 

1000.00 

4C 

663.04 

741.08 

822.94 

909.05 

1000.00 

47 

661.88 

740.00 

822.07 

908.50 

1000.00 

48 

600.63 

738.85 

821.09 

907.91 

1000.00 

49 

659.24 

737.55 

820.01 

907.24 

1000.00 

50 

657.72 

736.13 

818.83 

906.51 

1000.00 

51 

656.06 

734.56 

817.53 

905.72 

1000.00 

52 

654.22 

732.83 

816.09 

904.81 

1000.00 

53 

652.23 

730.95 

814.52 

903.83 

1000.00 

54 

650.04 

728.87 

812.76 

902.71 

1000.00 

55 

647.65 

726.59 

810.84 

901.50 

1000.00 

56 

64.T.04 

724.08 

808.71 

900.15 

1000.00 

57 

642.20 

721.35 

806.37 

898.65 

1000.00 

58 

039.09 

718.34 

803.79 

897.01 

1000.00 

59 

635.70 

715.04 

800.96 

895.21 

1000.00 

60 

631.04 

711.38 

797.82 

893.19 

1000.00 

65 


Am 
Ex. 


MODIFIED  I>RELi:^IIXAEY  TERM. 
3%  TERMINAL  RESERA^ES. 

ENDOWMENT  IN  10  YEARS. 


Ase. 

1st  Year. 

2d  Year. 

3d  Year. 

4th  Yeai 

21 

77.29 

165.18 

256.39 

351.06 

22 

77.00 

164.91 

2.56.13 

3,50.82 

23 

70.71 

164.62 

255.87 

350.56 

24 

76.39 

164.32 

255.58 

350.30 

25 

70.07 

164.01 

2.55.29 

350.02 

26 

7.').  73 

163.69 

2.54.98 

349.72 

27 

75.37 

163.35 

254.65 

349.42 

28 

75 .  00 

162.98 

2.54.30 

349.12 

29 

74.01 

162.60 

2.53.95 

348.77 

30 

74-.  20 

162.21 

2.53.57 

348.42 

31 

73.77 

161.80 

253.18 

348.06 

32 

73.32 

161.35 

2.52.75 

347.65 

33 

72.84 

160.90 

252.32 

347.24 

34 

72.35 

160.42 

251.85 

346.79 

35 

71.83 

1.59.91 

251.37 

346.33 

3« 

71.28 

1.59.39 

2.50.86 

345.84 

37 

70.71 

1.58.82 

2.50.30 

345.31 

3S 

70.10 

1.58.23 

249.73 

344.77 

39 

69.47 

157.61 

249.12 

344.18 

40 

68.81 

156.96 

248.. 50 

343.56 

41 

08.12 

1.56.28 

247.83 

342.93 

42 

67.39 

155.58 

247.13 

342.25 

43 

66.63 

154.82 

246.39 

341.. 53 

44 

65.84 

154.04 

245.62 

340.76 

45 

65.01 

153.21 

244.80 

339.94 

46 

64.15 

152.36 

243.92 

339.04 

47 

63.25 

1.51.44 

243.01 

338.11 

48 

62.31 

1.50.47 

242.00 

337.00 

49 

61.34 

149.44 

240.89 

335.85 

50 

60.32 

148.35 

239.69 

334.61 

51 

.")9.26 

147.19 

238.45 

333.27 

52 

58.10 

145.98 

2.37.12 

331.85 

53 

57.01 

144.69 

235.69 

330.28 

54 

55.82 

143.34 

234.17 

328.62 

55 

54.r,S 

141.90 

232.55 

326.84 

56 

53. 2S 

140 . 40 

2.30.82 

324.92 

57 

51.04 

138.81 

228.98 

322.85 

5i? 

50. 5 1 

1.37.13 

227.02 

320.63 

59 

49.09 

1.35.36 

224.93 

318.24 

60 

47.58 

133.51 

222.71 

315.67 

449.31 

449.11 

443.87 

448.63 

448.38 

448.11 

447.83 

447.58 

447.23 

446.91 

446.57 

446.20 

445.81 

445.42 

444.97 

444.51 

444.02 

443.49 

442.95 

442.37 

441.76 

441.10 

440.40 

439.65 

438.83 

437.92 

436.94 

435.85 

434.68 

433.39 

432.00 

430.50 

428.86 

427.10 

425.19 

423.12 

420.89 

418.46 

415.85 

413.02 


66 

^  MODIFIED  TRELIMINARY  TERM. 


Am.  i 

Ex.    , 

J% 

TERMINAL  RESERVES. 

^ 

w  /  ^^ 

ENDOWMENT  IN 

10  YEARS. 

Age. 

«tli    Year. 

7tU   Your. 

8th   Year, 

9th   Year.          10th   Year. 

21 

551.. -52 

6.->7.18 

767.18 

881.38 

1000.00 

22 

551.14 

657.03 

7(i7.07 

881.31 

1000.00 

23 

550.93 

656.89 

766.94 

881.24 

1000.00 

24 

550.72 

656.73 

766.82 

881.18 

1000.00 

25 

550.. 50 

656.54 

766.68 

881.10 

1000.00 

20 

550.27 

656.35 

766.54 

881.03 

1000.00 

27 

550.02 

6.56.15 

766.40 

880.95 

1000.00 

28 

549.70 

6.55.93 

766.23 

880.86 

1000.00 

29 

549.18 

655.71 

766.07 

880.76 

1000.00 

30 

549.20 

6,55.47 

765.90 

880.67 

1000.00 

31 

548.91 

655.23 

765.71 

880.57 

1000.00 

32 

548.58 

654.93 

765.49 

880.44 

1000.00 

S3 

548.22 

654.63 

765.26 

880.29 

1000.00 

34 

547.84 

654.33 

765.03 

880.17 

1000.00 

35 

547.46 

653.99 

764.77 

880.02 

1000.00 

3G 

547.04 

6.53.63 

764.50 

879.86 

1000.00 

37 

546.00 

6.53.20 

764.21 

879.70 

1000.00 

38 

546.12 

6,52.84 

763.89 

879.51 

1000.00 

39 

545.62 

652.42 

763.56 

879.32 

1000.00 

40 

545.09 

651.95- 

763.19 

879.11 

1000.00 

41 

544.51 

6.51.42 

762.79 

878.86 

1000.00 

42 

543.91 

6.50.90 

762.35 

.878.60 

1000.00 

43 

543.24 

650.30 

761.88 

878.31 

1000.00 

44 

542.50 

649.62 

761.32 

878.00 

1000.00 

45 

541.72 

648.92 

760.75 

877.63 

1000.00 

46 

540.84 

648.11 

760.10 

877.22 

1000.00 

47 

539.88 

647.23 

759.38 

876.78 

1000.00 

48 

538.82 

646.26 

758.59 

876.31 

1000.00 

49 

537.66 

645.18 

7.57.70 

875.76 

1000.00 

50 

536.38 

643.99 

756.71 

.875.14 

1000.00 

51 

534.99 

642.09 

7.55.65 

874.49 

1000.00 

52 

5.33.49 

641.29 

7.54.49 

S73.77 

1000.00 

53 

5.31.84 

639.72 

753.18 

872.95 

1000.00 

54 

530.06 

638.05 

7,51.77 

872.08 

1000.00 

55 

528.11 

636.20 

750.22 

871.11 

1000.00 

50 

525.99 

634.18 

748.. 52 

870.05 

1000.00 

57 

523.68 

631.96 

746.65 

868.86 

1000.00 

58 

521.17 

629.. 56 

744.61 

867.56 

1000.00 

59 

518.45 

626.92 

742.. 36 

866.14 

1000.00 

60 

515.19 

624.03 

739.88 

804.. 55 

10(X).00 

Am. 
Ex. 


G7 


^  MODIFIED  PKELIMINAKY  TEILM. 

395  MEAN  KESEKVES. 

LIFE  PAID-UP  IN  20  YEARS. 


Agre. 

1st   Year. 

2d  Ye»r. 

Sd   Year, 

4tli  Year. 

6th  Year. 

21 

12.93 

29.94 

47.55 

65.78 

84.05 

22 

13.00 

30.34 

48.29 

66.88 

86.13 

23 

13.0(1 

30.75 

49.07 

68.02 

87.65 

24 

13.12 

31.17 

49.86 

69.20 

89.22 

25 

13.18 

31.60 

50.67 

70.41 

90.84 

2« 

13.23 

32.04 

51.51 

71.65 

92.48 

27 

13.28 

32.48 

52.35 

72.90 

94.18 

28 

13.32 

32.94 

53.22 

74.21 

95.93 

29 

13.38 

33.40 

54.11 

75.55 

97.72 

30 

13.41 

33.88 

55.04 

76.92 

99.56 

31 

13.45 

34.36 

55.98 

78.33 

101.45 

32 

13.49 

34.84 

56.92 

79.76 

103.38 

33 

13.52 

35.35 

57.92 

81.25 

105.37 

34 

13.54 

35.86 

58.93 

82.77 

107.41 

35 

13.56 

36.39 

59.96 

84.32 

109.49 

36 

13.58 

36.92 

61.03 

85.92 

111.62 

37 

13.59 

37.46 

62.09 

87.53 

113.81 

38 

13.61 

38.01 

63.20 

89.21 

116.06 

39 

13.61 

38.58 

64.34 

90.93 

118.36 

40 

13.61 

39.16 

65.52 

92.70 

120.74 

41 

13.61 

39.75 

66.72 

94.52 

123.17 

42 

13.58 

40.37 

67.95 

96.37 

125.64 

43 

13.58 

40.99 

69.21 

98.26 

128.15 

44 

13.59 

41.65 

70.51 

100.20 

130.71 

45 

13.58 

42.30 

71.82 

102.16 

133.29 

46 

13.58 

42.97 

73.16 

104.13 

135.87 

47 

13.59 

43.67 

74.51 

106.11 

138.45 

48 

13.62 

44.38 

75.87 

108.08 

141.02 

49 

13.67 

45.11 

77.24 

110.07 

143.61 

50 

13.73 

45.85 

78.64 

112.10 

146.22 

51 

13.83 

46-.  02 

80.07 

114.14 

148.84 

52 

13.95 

47.44 

81.53 

116.22 

151.50 

53 

14.09 

48.28 

83.03 

118.33 

154.17 

54 

14.28 

49.17 

84.57 

120.47 

156.88 

55 

14.52 

50.11 

80.17 

122.69 

159.65 

OS 


Am. 
Ex. 


^lODIFIED  PRELIMINARY  TERM. 
3%  MEAN  RESERVES. 

LIFE  PAID-UP  IN  20  YEARS. 


Age. 

Cth  Year. 

Tth  Year. 

8tli  Yeai 

21 

104.19 

124.43 

145.38 

22 

10G.05 

126.69 

148.05 

2."> 

107.97 

129.01 

150.79 

24 

109.95 

131.41 

153.62 

25 

111.98 

133.87 

1.56.53 

26 

114.06 

136.40 

1.59.51 

27 

116.20 

138.99 

162.57 

28 

118.41 

141.66 

165.72 

29 

120.66 

144.39 

168.95 

30 

122.98 

147.21 

172.28 

31 

125.36 

150.10 

175.67 

32 

127.80 

153.04 

179.14 

33 

130.30 

156.07 

182.71 

34 

132.87 

159.18 

186.37 

35 

135.49 

162.33 

190.11 

36 

138.18 

165.61 

193.94 

37 

140.94 

168.94 

197.85 

38 

143.76 

172.36 

201.86 

39 

146.67 

175.86 

205.97 

40 

149.64 

179.43 

210.13 

41 

152.68 

183.07 

214.37 

42 

155.77 

186.77 

218.65 

43 

158.89 

190.49 

222.94 

44 

162.06 

194.23 

227.25 

45 

165.21 

197.96 

231.53 

46 

168.38 

201.69 

235.81 

47 

171.56 

205.41 

240.07 

48 

174.69 

209.11 

244.29 

49 

177.85 

212.80 

248.48 

50 

181.02 

216.49 

252.66 

51 

184.18 

220.17 

256.82 

52 

187.. 37 

223.85 

260.96 

53 

190.57 

227.53 

205.07 

54 

193.80 

231.22 

269.17 

55 

197.05 

234.91 

273.24 

li  Year, 

lOth  Year. 

167.08 

189.56 

170.17 

193.08 

173.34 

196.70 

176.62 

200.43 

179.98 

204.25 

183.43 

208.19 

186.98 

212.24 

190.62 

216.39 

194.35 

220.63 

198.19 

224.99 

202.12 

229.46 

206.12 

234.01 

210.24 

238.70 

214.46 

243.49 

218.78 

248.39 

223.19 

253.39 

227.70 

258.51 

232.30 

263.70 

237.00 

268.99 

241.76 

274.32 

246.58 

279.71 

251.42 

285.10 

2.56.26 

290.49 

261.12 

295.89 

265.95 

301.24 

270.70 

306.55 

275.53 

311.82 

280.25 

317.02 

284.91 

322.14 

289.56 

327.23 

294.16 

332.24 

298.72 

337.17 

303.21 

342.02 

307.67 

346.80 

312.08 

351.49 

09 


MODIFIED  PKELLAIINAHY  TERM. 


Am.  ■ 
Ex.    , 

i% 

MEAN  KESEin  ES. 

^ 

kr  /^-^ 

LIFE  PAID-UI*  IX 

20  YEAKS. 

Age. 

11th  Year. 

I2tli  Year. 

13th  Year. 

14th  Year. 

16th  Year. 

21 

212.83 

236.93 

261.90 

287.76 

314.55 

22 

216.80 

241.37 

206.80 

293.16 

320.46 

23 

220.88 

245.92 

271.85 

298.70 

326.52 

24 

225.09 

250.01 

277.04 

304.41 

332.76 

25 

229.39 

255.42 

282.36 

310.26 

339.15 

26 

233.83 

260.36 

287.83 

316.27 

345.70 

27 

238.38 

265.43 

293.43 

322.41 

352.42 

2S 

243.04 

270.63 

299.18 

328.72 

359.31 

29 

247.83 

275.96 

305.06 

335.17 

366.35 

SO 

252.7.2 

281.41 

311.08 

341.79 

373.56 

31 

257.73 

286.99 

317.25 

.348.55 

380.93 

S2 

2G2.8(i 

292.69 

323.54 

355.44 

388.43 

33 

2G8.12 

298.54 

329.99 

362.49 

396.09 

34 

273.50 

304.51 

330.55 

369.66 

403.88 

35 

278.99 

310.00 

343.24 

376.95 

411.78 

36 

284.59 

316.79 

3.50.03 

384.34 

419.76 

37 

290.29 

323.08 

356.92 

391.82 

427.82 

38 

296.08 

329.46 

363.86 

399.33 

4.35.93 

39 

301.94 

3.35.89 

370.86 

406.90 

444.07 

40 

307.84 

342.35 

377.88 

414.48 

452.22 

41 

313.78 

348.84 

384.92 

422.08 

400.38 

42 

319.72 

355.32 

391.94 

429.64 

408.49 

43 

325.66 

361.79 

398.94 

437.16 

476.55 

44 

331.57 

368.22 

405.88 

444.63 

484.55 

45 

337.44 

374.59 

412.75 

4.52.00 

492.44 

46 

343.24 

380.88 

419.52 

4.59.26 

500.19 

47 

348.99 

387.10 

426.20 

466.41 

507.82 

48 

354.65 

393.20 

432.75 

473.40 

515.27 

49 

360.22 

399.19 

439.15 

480.21 

522.52 

50 

365.71 

405.08 

445.42 

486.87 

529.59 

51 

371.10 

410.83 

451.53 

493.33 

536.42 

52 

376.38 

416.44 

457.47 

499.59 

543.02 

53 

381.56 

421.91 

463.20 

505.60 

549.31 

54 

386.61 

427.21 

468.73 

511.35 

555.32 

55 

391.54 

432.33 

474.03 

516.82 

560.98 

Am. 
Kx. 


MODIFIED  PEELIMINARY  TERM. 
Q^  MEAN  RESERVES. 

LIFE  PAID-UP  IN  20  YEARS. 


Asre. 

21 
22 
23 
24 
25 
26 
27 
28 
29 
30 
31 
32 
33 
34 
35 
36 
37 
38 
39 
40 
41 
42 
43 
44 
45 
40 
47 
48 
4!) 
50 

r.i 

r.3 
r.4 


16tU  Yeni 

342.31 
348.73 
355.33 
302.11 
369.00 
370.19 
383.48 
390.97 
398.62 
406.44 
414.43 
422.55 
430.84 
439.24 
447.75 
450.33 
404.98 
473.70 
482.43 
491.15 
499.89 
508.57 
517.20 
525.75 
534.17 
542.45 
550.59 
558.53 
500 . 25 
573.77 
581.02 
.588.00 
594.64 
000.90 
000.88 


17tU  Yeai 

371.06 
378.02 
385.17 
392.51 
400.03 
407.76 
415.00 
423.75 
432.03 
440.48 
449.10 
457.85 
466.77 
475.79 
484.91 
494.11 
503.39 
512.71 
522.05 
531.39 
540.72 
549.99 
559.22 
568.35 
577.35 
586.21 
594.89 
603.39 
611.64 
019.07 
027.42 
034.86 
041.95 
048.07 
054.99 


IStli  Yeai 

400.84 
408.37 
410.08 
424.00 
432.12 
440.46 
448.98 
457.71 
400.01 
475.71 
484.97 
494.37 
503.93 
513.58 
523.35 
533.19 
543.11 
553.06 
563.04 
573.01 
582.99 
592.90 
002.70 
612.52 
622.16 
631.05 
040.98 
650.10 
658.98 
067.64 
075.99 
084.03 
091.72 
099.04 
705.98 


lOtli  Year. 

431.71 
439.82 
448.10 
450.04 
405.38 
474.34 
483.50 
492.88 
502.43 
512.18 
522.11 
532.10 
542.37 
552.09 
503.13 
573.04 
584.22 
594.84 
605.51 
010.16 
626.83 
637.44 
648.00 
058.47 
068.84 
079.00 
089.13 
099.01 
708.65 
718.08 
727  23 
730.09 
744.61 
752.82 
700.71 


20tl»  Y'ear. 

463.71 
472.40 
481.31 
490.46 
499.84 
509.45 
519.27 
529.31 
539.54 
'549.96 
560.56 
571.30 
582.19 
593.20 
604.35 
615.55 
626.85 
638.20 
649.60 
661.01 
672.42 
683.81 
695.17 
700.46 
717.67 
728.75 
739.72 
750.53 
701.14 
771.57 
781.78 
791 . 75 
801.47 
810.99 
820.32 


71 

MODIFIED  PRELIMINAKY  TER:\r. 
E^  3%  MEAN  KESEK^'ES. 

LIFE  PAID-UP  IN  15  YEAK«. 


Ase. 

1st     Y«Mll 

21 

18.4li 

22 

18.58 

23 

18.72 

24 

18.80 

25 

19.00 

2G 

19.15 

27 

19.29 

28 

19.43 

29 

19.58 

30 

19.72 

31 

19.85 

32 

19.99 

33 

20.13 

34 

20.20 

35 

20.39 

36 

20.51 

37 

20.03 

38 

20.75 

39 

20.87 

40 

20.97 

41 

21.07 

42 

21.16 

43 

21.20 

44 

21.35 

45 

21.44 

40 

21.54 

47 

21.62 

48 

21.72 

49 

21.84 

50 

21.90 

51 

22.09 

52 

22.24 

53 

22.40 

5i 

22.58 

55 

22.78 

5(! 

23.02 

57 

23.28 

5S 

23.58 

59 

23.93 

CO 

24.35 

:a   Year. 

3.1    Yenr. 

4tU   Yenr. 

r.th    Year. 

41.16 

64 .  67 

89.05 

114.31 

41.70 

65.67 

9t».50 

110.23 

42.29 

66.71 

92 .  01  > 

118.20 

42.87 

67.75 

93.. 53 

120.23 

43.48 

68.83 

95.10 

122.32 

44.10 

69.95 

96.73 

124.46 

44.73 

71.09 

98.38 

126.66 

45.38 

72 .  26 

100.09 

128.92 

46.04 

73.45 

101.84 

131.24 

46.72 

74.68 

103.64 

133.62 

47.41 

75.94 

105.47 

1.36.00 

48.10 

77.21 

107.35 

1.38.. 56 

48.82 

78.53 

109.29 

141.12 

49.50 

79.88 

111.26 

143.75 

50.30 

81.25 

113.28 

146.42 

51.05 

82.65 

115.33 

149.15 

51.80 

84.05 

117.41 

151.92 

52.58 

85.50 

119.56 

1.54.78 

53.37 

86.98 

121.74 

157.69 

54.17 

88.50 

123.98 

160.66 

54.98 

90.03 

126.25 

163.68 

55.81 

91.60 

128.57 

166.76 

56.64 

93.18 

130.91 

169.85 

57.50 

94.79 

133.28 

172.98 

58.35 

96.41 

135.66 

176.11 

59.21 

98.04 

138.04 

179.23 

60.08 

99.67 

140.40 

182.32 

60.95 

101.28 

142.74 

185.. 38 

61.81 

102.87 

145.00 

188.41 

62.68 

104.47 

147.. 30 

191.41 

63.54 

106.03 

149.62 

194.36 

64.41 

107.02 

151.89 

197.27 

65.29 

109.18 

1.54.10 

200.12 

66.17 

110.73 

1.56.29 

202.93 

07.05 

112.26 

158.45 

205.08 

07.96 

113.81 

100.60 

208.38 

68.89 

115.34 

102.09 

211.00 

69.83 

116.87 

104.75 

2 13.. 55 

70.80 

118.41 

160.74 

210.04 

71.82 

119.95 

108.79 

218.45 

72 

^  MODIFIED  PRELIMIXARY  TERM. 


Am.  ■ 
Ex.    . 

i% 

MEAN  RESERVES. 

^ 

w    /  ^-^ 

LIFE  PAID-UP  IN  15  YEARS. 

Agre. 

«tli  Year. 

7tli  Year. 

Stb  Year. 

9tU  Year. 

lOth  Year. 

21 

140.49 

107.02 

195.73 

224.87 

255.08 

22 

142.89 

170.52 

199.15 

228.82 

259.58 

23 

145.36 

173.50 

202.66 

232.89 

264.23 

24 

147.90 

176.57 

206.28 

237.07 

268.98 

25 

150.51 

179.73 

210.00 

241.37 

273.88 

26 

153.20 

182.98 

213.83 

245.80 

278.93 

27 

155.96 

180.31 

217.75 

250.34 

284.11 

2S 

158.79 

189.73 

221.78 

255.00 

289.42 

29 

161.69 

193.24 

225.93 

259.79 

294.87 

30 

164.68 

190.85 

230.18 

264.70 

300.46 

SI 

167.74 

200.55 

234.53 

269.73 

306.19 

32 

170.88 

204.34 

238.98 

274.87 

312.05 

33 

174.09 

208.21 

243.55 

280.14 

318.05 

34 

177.38 

212.18 

248.22 

285.53 

324.19 

35 

180.73 

216.23 

252.99 

291.05 

330.47 

36 

184.14 

220.37 

257.86 

296.67 

336.86 

37 

187.64 

224.59 

262.82 

302.41 

343.38 

38 

191.21 

228.91 

267.90 

308.26 

350.02 

39 

194.86 

233.31 

273.07 

314.20 

356.75 

40 

198.59 

237.79 

278.32 

320.23 

363.57 

41 

202.36 

242.32 

283.63 

326.32 

370.43 

42 

206.19 

246.92 

288.99 

332.43 

377.33 

43 

210.05 

251.54 

294.36 

338.57 

384.24 

44 

213.93 

256.10 

299.73 

344.71 

391.16 

45 

217.79 

260.77 

305.08 

350.81 

398.03 

46 

221.65 

2G5.36 

310.41 

356.88 

404.87 

47 

225.47 

269.00 

315.67 

•362.88 

411.62 

48 

229.24 

274.39 

320.89 

368.83 

418.32 

49 

232.97 

278.81 

326.01 

374.65 

424.88 

50 

236.66 

283.18 

331.05 

380.40 

431.35 

51 

240.27 

287.45 

336.00 

386.02 

437.67 

52 

243.83 

291.65 

340.83 

391.50 

443.82 

53 

247.32 

295.75 

345.53 

396.82 

449.80 

54 

250.71 

299.72 

350.08 

401.96 

455.56 

55 

254.03 

303.58 

354.48 

406.91 

461.11 

56 

257.24 

307.30 

358.71 

411.66 

466.40 

57 

260.35 

310.88 

362.75 

416.17 

471.41 

58 

263.35 

314.31 

366.59 

420.42 

476.12 

59 

200.25 

317.58 

370.21 

424.40 

480.48 

60 

269.02 

320.66 

373.58 

428.00 

484.47 

MODIFIED  PRELIMINARY  TER:M. 


Am.  ■ 
Ex.    , 

i% 

ME 

AN  RESERVES. 

^ 

LIFE  PAID-UP  IN 

15  YEARS. 

Aeo. 

IJtli   Ycnr, 

IStli  Year. 

13th   Year. 

14tli   Year. 

13tli   Year. 

21 

2SG.39 

318.85 

352.52 

387.42 

423.62 

291.47 

324.52 

358.79 

394.34 

431.20 

23 

296.70 

330.36 

365.27 

401.47 

439.00 

24 

302.06 

336.36 

371.91 

408.78 

447.01 

25 

307.58 

342.52 

378.75 

416.30 

455.25 

20 

313.27 

348.87 

385.77 

424.04 

463.72 

27 

319.10 

355.37 

392.98 

431.90 

472.40 

28 

325.09 

362.04 

400.36 

440.11 

481.32 

29 

331.23 

368.89 

407.94 

448.40 

490.47 

30 

337.52 

375.93 

415.75 

457.04 

499.85 

31 

343.97 

383.12 

423.72 

405.81 

509.45 

32 

350.57 

390.49 

431.87 

474.77 

519.27 

33 

357.32 

398.02 

440.21 

483.95 

529.30 

34 

364.24 

405.73 

448.73 

493.31 

539.54 

35 

371.30 

413.59 

457.42 

502.85 

549.97 

36 

378.48 

421.59 

466.26 

512.55 

500.56 

37 

385.80 

429.73 

475.23 

522.39 

571.30 

38 

393.24 

437.99 

484.33 

532.30 

582.20 

39 

400.77 

446.34 

493.53 

542.44 

593.20 

40 

408.39 

454.77 

502.81 

552.62 

004.33 

41 

416.05 

463.26 

512.16 

502.88 

615.55 

42 

423.75 

471.79 

521.56 

573.20 

020.85 

4.3 

431.46 

480.34 

530.98 

583.54 

638.21 

44 

4.39.17 

488.87 

540.40 

593.90 

049.00 

45 

446.85 

497.38 

549.79 

004.20 

661.01 

46 

454.48 

505.85 

559.16 

014.60 

672.43 

47 

462.03 

514.24 

568.44 

624.88 

683.82 

48 

469.50 

522.55 

577.66 

635.10 

695.18 

49 

476.85 

530.72 

586.74 

645.20 

706.46 

50 

484.07 

5.38.77 

595.71 

655.20 

717.07 

51 

491.13 

546.64 

604.49 

665.04 

728.75 

52 

498.01 

554.32 

613.09 

674.72 

739.72 

53 

504.70 

561.80 

621.47 

684.19 

7.50.53 

54 

511.14 

509.01 

629.59 

693.41 

761.14 

55 

517.33 

575.95 

6.37.45 

702.40 

771.57 

56 

523.24 

582.59 

644.98 

711.08 

781.78 

57 

528.83 

588.88 

652.16 

719.45 

791.75 

58 

534.00 

594.78 

6.58.94 

727.45 

801.47 

59 

538.92 

600.28 

665.33 

735.13 

811.00 

60 

543.33 

605.30 

671.28 

742.44 

820.31 

Am. 
Ex. 


MODIFIED  PRELIMINARY  TERM. 
3%  MEAN  RESERVES. 

LIFE  PAID-UP  IN  10  YEARS. 


Ahto. 

1st  Year. 

2d  Year. 

3d  Year. 

4th  Yeai 

21 

29.05 

64.01 

99.03 

136.57 

22 

29.96 

64.91 

101.15 

138.73 

28 

30.28 

65.84 

102.73 

140.96 

24 

30.60 

66.80 

104.34 

143.25 

25 

30.93 

67.78 

105.99 

145.62 

26 

31.26 

08.80 

107.72 

148.07 

27 

31.60 

09.82 

109.45 

150.54 

28 

31.94 

70.88 

111.25 

153.10 

29 

32.29 

71.95 

113.08 

155.72 

30 

32.64 

73.07 

114.98 

158.43 

31 

32.99 

74.20 

110.92 

161.20 

32 

33.36 

75.36 

118.90 

164.04 

33 

33.73 

76,55 

120.94 

106.97 

34 

34.09 

77.70 

123.03 

169.95 

35 

34.46 

78.99 

125.16 

173.01 

3C 

34.83 

80.26 

127.34 

176.14 

37 

35.21 

81.54 

129.55 

179.32 

38 

35.59 

82.85 

131.82 

182.58 

39 

35.96 

84.17 

134.12 

185.90 

40 

36.34 

85.53 

130.50 

189.31 

41 

36.71 

86.89 

138.88 

192.76 

42 

37.07 

88.29 

141.33 

196.28 

43 

37.45 

89.69 

143.79 

199.83 

44 

37.82 

91.12 

140.30 

203.44 

45 

38.19 

92.55 

148.82 

207.07 

46 

38.57 

94.00 

151.30 

210.71 

47 

38.94 

95.46 

153.90 

214.36 

48 

39.32 

96.90 

150.42 

217.97 

49 

39.71 

98.35 

158.94 

221.57 

50 

40.10 

99.78 

101.42 

225.14 

51 

40.50 

101.20 

163.89 

228.67 

52 

40.90 

102.01 

166.32 

232.15 

53 

41.30 

104.01 

168.71 

235.57 

54 

41.71 

105.38 

171.06 

238.92 

55 

42.12 

100.72 

173.35 

242.18 

56 

42.54 

108.04 

175.59 

245.36 

57 

42.96 

109.33 

177.75 

248.41 

58 

43.41 

110.00 

179.84 

251.36 

59 

43.86 

111.83 

181.84 

254.15 

GO 

44.34 

113.02 

183.75 

256.80 

174.87 
177.70 
180.61 
183.61 
186.70 
189.89 
193.15 
196.49 
199.94 
203.48 
207.12 
210.85 
214.68 
218.61 
222.61 
226.72 
230.91 
235.20 
239.57 
244.05 
248.60 
253.22 
257.90 
262.63 
267.39 
272.16 
276.93 
281.66 
286.39 
291.07 
295.71 
300.26 
304.75 
309.15 
313.43 
317.59 
321.59 
325.43 
329.08 
332.53 


Am. 
Ex. 


MODIFIED  PKELT^riXAKY  TERM. 
^%  MEAN  KESEKA  ES. 

LIFE  FAID-Ur  IN  10  YEARS. 


Age. 

Gth  Veai 

21 

2i4.r)<) 

22 

218.11 

23 

221.74 

24 

225.47 

25 

229.31 

26 

233.26 

27 

237.. 32 

28 

241.50 

2'J 

245.79 

30 

250.21 

31 

254.75 

32 

259.40 

33 

264.17 

34 

2G9.00 

35 

274.05 

36 

279 . 17 

37 

284.41 

38 

289.76 

39 

295.22 

40 

300.81 

41 

306.47 

42 

312.23 

43 

318.07 

44 

323.96 

45 

329.87 

46 

335.80 

47 

341.74 

48 

347.64 

49 

353.54 

50 

359.38 

51 

365.17 

52 

370.87 

53 

376.49 

54 

381.99 

55 

387.36 

56 

392.56 

57 

397.59 

58 

402.43 

59 

407.02 

■60 

411.38 

til  Year. 

8th  Year. 

9tU  Year. 

lOtli  Year. 

2.-.5.80 

298.53 

342.87 

388.87 

260.03 

303.51 

348.61 

395.41 

264.39 

308.63 

354.53 

402.16 

268.88 

313.91 

360.63 

409.11 

273.51 

319.35 

366.91 

416.26 

278.26 

324.95 

373.36 

423.62 

283.15 

330.69 

380.01 

431.20 

288.19 

336.62 

386.86 

4.39.00 

293.35 

342.70 

393.89 

447.01 

298.68 

348.96 

401 . 13 

4.55.26 

304.14 

355.38 

408.54 

463.72 

,309.74 

361.96 

416.16 

472.40 

315.48 

368.73 

423.97 

481.32 

321.38 

375.66 

431.99 

490.47 

327.40 

382.75 

440.20 

499.84 

333.58 

390.03 

448.61 

509.44 

339.90 

397.47 

4.57.22 

519.27 

346.35 

405.07 

466.02 

529.30 

3.52.94 

412.82 

474.98 

■  539.53 

3-59.67 

420.76 

484.13 

549.97 

366.50 

428.78 

493.42 

560.56 

373.43 

436.92 

502.82 

571.30 

380.45 

445.17 

512.. 36 

582.19 

387.53 

453.48 

521.97 

593.20 

394.64 

461.85 

531.68 

604.33 

401.79 

470.27 

541.45 

615.55 

406.94 

478.71 

551.26 

626.85 

416.08 

487.15 

561.09 

638.20 

423.20 

495.58 

570.94 

649.60 

430.26 

503.96 

580.76 

661.01 

437.28 

512.30 

590.. 56 

672.43 

444.20 

520.. 55 

600.27 

683.81 

451.03 

528.71 

609.92 

695.16 

457.74 

536.75 

619.47 

706.45 

464.20 

544.62 

628.87 

717.66 

470.66 

552.33 

638.13 

72,8.76 

476.84 

559.83 

617.19 

739.71 

482.80 

567.10 

6.56.05 

7.50.54 

488.48 

574.08 

664.63 

761.15 

493.88 

580.77 

672.9.-. 

771 .57 

76 


MODIFIED  PEELIMINARY  TERM. 


Am.  ■ 
Ex.    ; 

% 

MEAN  RESERVES. 

% 

W  /^-^ 

ENDOWMENT  IN  20  YEARS. 

Age. 

1st  Year. 

2d  Year. 

3d  Year. 

4th  Year. 

5th  Year. 

21 

30.01 

65.95 

102.60 

140.60 

180.01 

22 

30.35 

65.70 

102.35 

140.36 

179.78 

23 

30.08 

65.44 

102.11 

140.12 

179.54 

24 

29.80 

65.17 

101.85 

139.87 

179.30 

25 

29.51 

64.89 

101.58 

139.62 

179.06 

26 

29.21 

64.61 

101.31 

139.35 

178.79 

28.89 

64.31 

101.02 

139.08 

178.54 

28 

28.56 

64.00 

100.72 

138.79 

178.26 

29 

28.23 

63.68 

100.43 

138.52 

178.00 

30 

27.88 

63.36 

100.12 

138.23 

177.73 

31 

27.51 

63.02 

99.81 

137.93 

177.44 

32 

27.13 

62.65 

99.46 

137.63 

177.16 

33 

26.74 

62.31 

99.16 

137.34 

176.90 

34 

26.34 

61.95 

98.84 

137.05 

176.64 

35 

25.92 

61.58 

98.51 

136.76 

176.38 

36 

25.48 

61.21 

98.19 

136.47 

176.12 

37 

25.06 

60.83 

97.86 

136.19 

175.89 

38 

24.61 

60.45 

97.55 

135.94 

175.69 

39 

24.15 

60.07 

97.24 

135.71 

175.52 

40 

23.69 

59.70 

96.96 

135.51 

175.38 

41 

23.21 

59.34 

96.70 

135.34 

175.29 

42 

22.72 

58.99 

96.47 

135.20 

175.23 

43 

22.24 

58.65 

96.26 

135.10 

175.20 

44 

21.76 

58.34 

96.08 

135.03 

175.22 

45 

21.28 

58.03 

95.92 

135.00 

175.26 

46 

20.82 

57.75 

95.80 

134.98 

175.32 

47 

20.36 

57.50 

95.71 

135.01 

175.42 

48 

19.92 

57.26 

95.04 

135.03 

175.51 

49 

19.52 

57.07 

95.60 

135.12 

175.67 

50 

19.14 

56.90 

95.60 

135.25 

175.89 

51 

18.79 

56.78 

95.67 

135.46 

176.18 

52 

18.48 

56.73 

95.81 

1.35.75 

176.55 

53 

18.22 

56.74 

96.04 

136.12 

177.03 

54 

18.01 

56.82 

96.34 

136.60 

177.62 

55 

17.87 

56.98 

96.76 

137.20 

178.33 

56 

17.79 

57.24 

97.28 

137.92 

179.17 

57 

17.80 

57.60 

97.93 

138.78 

180.15 

58 

17.86 

58.08 

98.72 

139.78 

181.29 

59 

18.04 

58.67 

99.68 

140.94 

182.58 

60 

18.32 

59.39 

100.71 

142.25 

184.04 

77 

:\I()DIFIED  PKELIMINAIIY  TEini. 


Am.  ■ 
Ex.    J 

]% 

ME 

AN  RESERVES. 

.  1 

w  /^-^ 

ENDOWMENT  IN 

20  YEARS. 

Arc. 

Gth   Year. 

7tU  Year. 

8tU   Yenr. 

Otii   Year. 

JOth   Year. 

21 

220.88 

263.28 

307.26 

352.88 

400.20 

22 

220.66 

263.06 

307.04 

352.06 

400.00 

23 

220.43 

262.83 

306.81 

352.44 

399.79 

24 

220.19 

262.60 

306.58 

352.22 

399.57 

25 

219.95 

262.37 

306.37 

352.00 

399.35 

26 

219.70 

262.13 

306.13 

351.77 

399.12 

27 

219.45 

261.88 

305.89 

351.53 

398.90 

2S 

219.19 

261.63 

305.64 

351.29 

398.65 

29 

218.93 

261.38 

305.40 

351.05 

398.41 

30 

218.68 

261.14 

305.17 

350.82 

398.17 

31 

218.41 

260.88 

304.91 

350.57 

397.93 

32 

218.15 

260.63 

304.66 

350.31 

397.67 

33 

217.90 

260.39 

304.43 

350.10 

397.46 

34 

217.66 

260.16 

304.21 

349.88 

397.25 

35 

217.41 

2.59.93 

304.01 

349.69 

397.05 

36 

217.19 

259.73 

303.83 

349.51 

396.88 

37 

217.00 

259.57 

303.68 

349.38 

396.74 

38 

216.84 

259.44 

303.56 

349.27 

396.63 

39 

216.71 

259.36 

303.50 

349.19 

396.56 

40 

216.62 

259.30 

303.46 

349.16 

396.47 

41 

216.58 

259.29 

303.46 

349.14 

396.41 

42 

216.58 

259.32 

303.49 

349.13 

306.34 

43 

216.62 

2.59.37 

303.52 

349.13 

396.27 

44 

216.67 

2.59.44 

303.57 

319.12 

396.19 

45 

216.75 

259.52 

303.62 

349.12 

396.11 

46 

216.85 

2.59.63 

303.70 

349.13 

396.01 

47 

216.98 

259.74 

303.77 

349.13 

395.90 

48 

217.11 

259.87 

303.85 

349.13 

395.79 

49 

217.30 

260.05 

303.97 

349.15 

395.70 

50 

217.55 

260.28 

304.14 

349.21 

395.63 

51 

217.87 

260.57 

304.32 

349.33 

395.56 

52 

218.28 

260.97 

304.68 

349.51 

395.56 

53 

218.79 

261.46 

305.09 

349.77 

395.63 

54 

219.42 

262.06 

305.60 

350.12 

395.76 

55 

220.17 

262.77 

306.19 

350.54 

395.95 

56 

221.05 

263.61 

306.93 

351.10 

396.24 

57 

222.07 

264.59 

307.78 

351.74 

396.58 

58 

223.23 

265.73 

308.78 

352.48 

396.99 

59 

224.58 

266.99 

309.86 

353.29 

397.40 

GO 

226.09 

268.41 

311.08 

354.19 

397.87 

78 

^  .AIODIFIED  PRELIMIXAEY  TEEK 


Am .  i 
Ex.    , 

J% 

:\[EAN  KESEEVES. 

^ 

w  /  ^^ 

ENDOWMENT  IN 

20  YEAES. 

Afire. 

11th   T«'np. 

IStli   Tear. 

latli  Year. 

14tli   Year. 

15tli   Year. 

21 

449.31 

500.. 30 

553.21 

608.14 

665.18 

22 

449.12 

500.10 

553.01 

607.95 

665.00 

^o 

44S.!t2 

499.00 

552.82 

007.77 

664.83 

24 

448.09 

499.08 

552.61 

607.57 

664.04 

'2~i 

448.49 

499.48 

552.41 

607.38 

604.40 

2(i 

448.20 

499.2(5 

5.52.20 

607.17 

664.26 

27 

448.04 

499.04 

551.98 

600.95 

664.05 

2J; 

447.79 

408.70 

551.73 

600.70 

063.81 

20 

447..". 

498.55 

551.40 

600.47 

003.58 

30 

447.33 

498.32 

5.51.26 

606.25 

003.37 

31 

447.00 

498.06 

551.01 

605.99 

003.12 

32 

440.81 

497.81 

550.75 

605.73 

062.86 

33 

446.59 

497.58 

550.52 

605.49 

602.01 

34 

440.38 

497.37 

550.29 

605.25 

002.37 

35 

440.10 

497.14 

550.06 

605.00 

062.09 

36 

440.00 

490.95 

549.83 

604.74 

661.80 

37 

445.84 

400.77 

549.64 

604.48 

001.52 

3S 

445.72 

496.01 

549.40 

604.21 

661.19 

39 

445.00 

490.41 

549.12 

603.92 

660.84 

40 

445.45 

490.21 

548.80 

603.. 54 

000.41 

41 

445.33 

406.01 

548.. 59 

603.19 

059.00 

42 

445 . 19 

405.79 

548.27 

602.78 

050.49 

43 

445.04 

495.55 

547.93 

602.33 

0.58.05 

44 

444 . 87 

495.27 

547.. 53 

601.81 

6.58., 34 

4.-) 

444.08 

494.95 

547.07 

601.24 

057 . 00 

40 

414.40 

404.00 

540.. 58 

000.01 

050.92 

47 

444.22 

494.21 

540.04 

500.91 

050 . 00 

48 

44:',.  95 

403.78 

545.43 

599.13 

055 . 10 

4D 

443.00 

403.35 

544.77 

598.30 

054.17 

no 

443.43 

402.86 

544.10 

597.40 

653.08 

r.i 

443.19 

402.40 

543.40 

590.47 

651.93 

r»2 

442.97 

491.93 

542.60 

595.47 

6,50.70 

'>-.', 

442.80 

491.48 

541.92 

,594.42 

049.39 

r.4 

442.07 

491.05 

541.15 

503.31 

047.98 

">."» 

442.57 

400.. 59 

540.32 

502.10 

640 . 41 

;"« 

442.51 

490.15 

5:19.45 

590.80 

644.71 

r,7 

442.48 

489.09 

538.51 

580.30 

642.82 

r.s 

442.47 

489.18 

537.45 

587.77 

640.74 

r.o 

442.41 

488.50 

5,36.23 

585.95 

638.43 

m 

442.34 

487.89 

534.93 

.584.05 

630.02 

MODIFIED  PKELLMIXAKV  TVAIM. 


Am.  ■ 
Ex.    - 

1% 

ME 

AN  UESE 

ItVES. 

1 

w  /^^ 

ENDOWMENT  IX 

20  YEAKS 

• 

Ase. 

nun   Year. 

ITtli   Year. 

18th   Year. 

19tU   Year.       20tli   Year. 

21 

724.42 

7S5 . 95 

849.88 

91 6.. -^ 

985.44 

724.20 

785.81 

849.78 

916.29 

985.44 

2-A 

724.00 

785.67 

849.67 

916.22 

985.44 

24 

723.91 

785.51 

849.54 

916.13 

985.44 

2") 

723 . 76 

785.36 

849.45 

916.10 

985.44 

2(i 

723.57 

785.22 

849.32 

016.01 

985.44 

723.38 

785.05 

849.20 

915.92 

985.44 

28 

723.15 

784.85 

849.03 

915.83 

985.44 

29 

722.95 

784.68 

848.89 

915.76 

985.44 

30 

722.74 

784.50 

848.76 

915.69 

985.44 

31 

722.50 

784.27 

848.57 

915.57 

985.44 

32 

722.25 

784.05 

848.39 

915.45 

985.44 

33 

722.01 

783.82 

848.19 

915.32 

985.44 

34 

721.75 

783.56 

847.98 

915.19 

985.44 

35 

721.46 

783.28 

847.73 

915.02 

985.44 

36 

721.16 

782.98 

847.47 

914.86 

985.44 

37 

720.84 

782.67 

847.21 

914.69 

985.44 

38 

720.49 

782.32 

846.90 

914.50 

985.44 

39 

720.11 

781.90 

846.53 

914.30 

985.44 

40 

719.64 

781.46 

846.19 

914.06 

985.44 

43 

719.18 

781.00 

845.76 

913.76 

985.44 

42 

718.62 

780.43 

845.24 

913.42 

985.44 

43 

718.03 

779.85 

844.73 

913.10 

985.44 

44 

717.37 

779.18 

844.14 

912.72 

985.44 

45 

716.61 

778.42 

843.48 

912.29 

985.44 

46 

715.80 

777.60 

842.76 

911.82 

985.44 

47 

714.88 

776.67 

841.95 

911.30 

985.44 

48 

713.85 

775.64 

841.03 

910.69 

985.44 

49 

712.76 

774.53 

840.05 

910.05 

985.44 

50 

711.54 

773.29 

838.94 

909.31 

985.44 

51 

710.24 

771.94 

837.74 

908.. 52 

9S5.44 

52 

70S. 85 

770.50 

836.44 

907.65 

985.44 

53 

707.35 

768.94 

835.03 

906.73 

985.44 

54 

705.70 

767.21 

833.46 

905.68 

9S5.44 

55 

703.86 

765.27 

831.68 

904.48 

985.44 

56 

701.87 

763.16 

829.76 

903.20 

9S5.44 

57 

699.64 

760.82 

827.65 

901.79 

985.44 

58 

697.17 

758.29 

825.36 

900.27 

985.44 

59 

694.56 

755.53 

822.85 

898.. 56 

985.44 

CO 

691.80 

752.64 

820.21 

896.75 

985.44 

80 


Am. 
Ex. 


MODIFIED  PKELIMIXAKY  TERM. 
3%  MEAN  RESERVES. 

ENDOWMENT  IN  15  YEARS. 


Age. 

1st  Year. 

2d  Year. 

3d  Year. 

4th  Year. 

21 

46.74 

98.83 

152.87 

208.94 

22 

46.48 

98.57 

152.62 

208.69 

23 

46.21 

S8.31 

152.37 

208.44 

24 

45.92 

98.03 

152.09 

208.17 

25 

45.62 

97.74 

151.81 

207.90 

26 

45.32 

97.45 

151.53 

207.62 

27 

45.00 

97.13 

151.23 

207.33 

28 

44.06 

96.80 

150.90 

207.01 

29 

44.31 

96.46 

150.56 

206.69 

30 

43.95 

96.11 

150.23 

206.36 

31 

43.56 

95.75 

149,87 

206.01 

32 

43.17 

95.35 

149.48 

205.64 

33 

42.75 

94.97 

149.10 

205.27 

34 

42.33 

94.55 

148.71 

204.89 

35 

41.88 

94.13 

148.32 

204.50 

36 

41.42 

93.69 

147.88 

204.07 

37 

40.94 

93.22 

147.42 

203.63 

38 

40.44 

92.74 

146.97 

203.20 

39 

39.93 

92.27 

140.52 

202.77 

40 

39.41 

91.78 

146.06 

202.33 

41 

38.86 

91.27 

145.59 

201.89 

42 

38.. 30 

90.77 

145.14 

201.46 

43 

37.73 

90.26 

144.67 

201.03 

44 

37.15 

89.75 

144.20 

200.59 

45 

36.56 

89.22 

143.73 

200.14 

46 

35.98 

88.71 

143.25 

199.66 

47 

35.38 

88.19 

142.77 

199.18 

48 

34.80 

87.67 

142.26 

198.85 

49 

34.23 

87.14 

141.74 

198.11 

50 

.33.67 

86.62 

141.23 

197.57 

51 

33.13 

86.11 

140.71 

197.00 

52 

32.60 

85.62 

140.21 

196.45 

53 

32.09 

85.14 

139.70 

195.87 

54 

31.61 

S4.68 

139.22 

195.32 

55 

31.17 

84.26 

138.77 

194.79 

56 

30.77 

83.88 

138.35 

194.27 

57 

30.42 

83.55 

137.98 

193.78 

58 

30.12 

83.28 

137.05 

193.33 

59 

29.90 

83.08 

137.39 

192.94 

60 

29.75 

82.94 

137.18 

192.57 

267.10 

206.86 

266.62 

266.36 

266.10 

265.82 

265.53 

265.23 

264.92 

264.60 

264.25 

263.90 

263.54 

263.16 

262.76 

262.36 

261.93 

261.51 

261.10 

260.68 

260.26 

259.84 

259.42 

258.99 

258.52 

258.03 

257.51 

256.94 

256.34 

255 . 74 

255.10 

254.45 

253.77 

253.10 

252.43 

251.76 

251.11 

250.47 

249.87 

249.28 


SI 


MODIFIED  PKELIIMINAIIY  TERM. 

MEAN  RESERVES. 

ENDOWMENT  IN  15  YEARS. 


Agre. 

6tli  Year. 

7th  Year. 

Sth  Year. 

9tli  Year. 

10th  Year. 

21 

327.45 

390.09 

455.09 

522.57 

592.61 

22 

327.22 

389.86 

454.88 

522.37 

592.42 

23 

327.00 

389.64 

454.66 

522.16 

502.22 

24 

326.73 

389.40 

454.43 

521.94 

592.02 

25 

326.48 

389.15 

454.20 

521.73 

591.84 

26 

326.22 

388.91 

453.97 

521.51 

591.64 

27 

325.93 

388.62 

453.70 

521.25 

591.40 

28 

325.64 

388.34 

453.42 

521.00 

591.17 

29 

325.33 

3SS.04 

453.14 

520.72 

590.91 

30 

325.02 

387.75 

452.87 

520.46 

590.66 

31 

324.70 

387.43 

452.55 

520.16 

590.37 

32 

324.35 

387.00 

452.21 

519.83 

590.07 

33 

324.00 

386.73 

451.87 

519.50 

589.75 

34 

323.62 

386.37 

451.50 

519.15 

589.42 

35 

323.23 

385.98 

451.12 

518.78 

589.07 

36 

322.83 

385.60 

450.76 

.518.42 

588.73 

37 

322.42 

385.19 

450.35 

518.03 

588.36 

38 

322.00 

384.81 

449.95 

517.63 

587.96 

39 

321.60 

384.38 

449.56 

517.24 

587.57 

40 

321.19 

383.08 

449.15 

516.83 

587.15 

41 

320.78 

383.56 

448.71 

516.37 

586.68 

42 

320.37 

383.14 

448.26 

515.88 

586.17 

43 

319.94 

382.68 

447.78 

515.37 

585.62 

44 

319.48 

382.18 

447.22 

514.76 

585.00 

45 

318.98 

381.64 

446.63 

514.11 

584.30 

46 

318.45 

381.05 

445.97 

513.40 

583.53 

47 

317.87 

380.39 

445.23 

512.59 

582.67 

48 

317.24 

379.69 

444.46 

511.73 

581.74 

49 

316.57 

378.92 

443.58 

510.75 

580.71 

50 

315.87 

378.14 

442.66 

509.73 

579.59 

51 

315.13 

377.25 

441.66 

.^.08.61 

578.38 

52 

314.35 

376.34 

440.60 

507.40 

577.05 

53 

313.55 

375.38 

439.47 

500.10 

575.63 

54 

312.73 

374.. 37 

438.27 

504.71 

574.08 

55 

311.87 

373.31 

436.99 

503.22 

572.45 

56 

311.00 

372.20 

435.64 

501.64 

570.64 

57 

310.13 

371.08 

434.23 

499.97 

568.74 

58 

309.25 

369.91 

432.77 

478.10 

566.68 

59 

308.38 

368.72 

431.22 

476.30 

564.48 

60 

307.49 

367.48 

429.57 

474.24 

562.07 

82 


MODIFIED  PKELIMINARY  TERM. 


Am.  i 
Ex.   , 

J% 

:\IEAN  EESEEYES. 

^ 

W    /^^ 

ENDOWMENT  IN  15  YEARS. 

Age. 

nth   Year. 

latli   Year. 

13tU   Year. 

14tli  Ye«r. 

15tli  Year. 

21 

605.33 

740. SO 

819:29 

900.77 

985.43 

22 

665.17 

740.72 

819.19 

900.71 

985.43 

23 

664.98 

740.58 

819.12 

900.67 

985.43 

24 

664.80 

740.44 

818.95 

900.58 

985.43 

25 

664.65 

740.30 

818.86 

900.53 

985.43 

26 

664.47 

740.14 

818.77 

900.48 

985.43 

27 

664.26 

739.95 

818.61 

900.38 

985.43 

28 

664.05 

7.39.77 

818.48 

900.32 

985.43 

29 

663.81 

739.57 

818.32 

900.24 

985.43 

30 

663.60 

739.37 

818.20 

900.16 

985.43 

31 

663.33 

739.16 

818.02 

900.06 

985.43 

32 

663.06 

7.38.94 

817.84 

899.94 

985.43 

33 

662.77 

738.68 

817.64 

899.83 

985.43 

34 

662.40 

7.38.41 

817.43 

899.70 

985.43 

35 

662.14 

738.13 

817.21 

899.57 

985.43 

36 

661.82 

737.84 

81G.98 

899.43 

985.43 

37 

661.47 

737.53 

816.73 

899.25 

985.43 

38 

661.09 

737.19 

816.44 

899.10 

985.43 

39 

660.71 

736.83 

816.15 

898.92 

985.43 

40 

660.28 

736.43 

815.82 

898.72 

985.43 

41 

659.81 

735.98 

815.44 

898.50 

985.43 

42 

659.32 

735.53 

815.07 

898.25 

985.43 

43 

658.75 

735.00 

814.62 

897.97 

985.43 

44 

658.11 

734.37 

814.10 

897.64 

985.43 

45 

657.40 

733.71 

813.54 

897.29 

985.43 

46 

656.63 

732.97 

812.92 

896.90 

985.43 

47 

655.74 

732.12 

812.20 

896.47 

985.43 

48 

654.78 

731.21 

811.45 

895.98 

985.43 

49 

653.73 

730.21 

810.59 

895.44 

985.43 

50 

652.58 

729.10 

809.66 

8M.85 

985.43 

51 

651.33 

727.89 

808.63 

894.21 

985.43 

52 

649.94 

726.. 56 

807.49 

893.48 

985.43 

f>3 

648.40 

725.13 

806 . 26 

892.70 

985.43 

54 

646.83 

723.53 

804.90 

891.81 

985.43 

55 

645.08 

721.81 

803.40 

890.85 

985.43 

56 

643.15 

719.92 

801.75 

889.79 

985.43 

57 

641.12 

717.88 

799.98 

888.64 

985.43 

58 

638.89 

715.66 

797.99 

887.32 

985.43 

59 

636.48 

713.21 

795.84 

885.92 

985.43 

60 

633.81 

710.49 

793.43 

884.34 

985.43 

83- 


Am. 
Ex. 


396 


MODIFIED  rKELlMlXAKV  TEIOI. 

MEAN  iiESEKYES. 

ENDOWMENT  IN  10  YEARS. 


Age. 

1st  Year. 

2d  Yc«,r. 

3d  Year. 

4tli  Yeer. 

Sth  Year. 

21 

79.69 

165.98 

255.53 

348.47 

444.93 

22 

79.43 

165.73 

255.29 

348.25 

444.74 

23 

79.16 

165.46 

255.05 

348.02 

444.54 

24 

78.88 

165.20 

254.80 

347.78 

444.31 

25 

78.58 

164.92 

254.53 

347.54 

444.08 

26 

78.27 

164.  (i;5 

254.25 

347.27 

443.84 

27 

77.9.J 

164.32 

253.96 

346.99 

443.58 

28 

77.62 

164.00 

253.65 

346.72 

443.38 

29 

77.27 

163.05 

253.32 

346.41 

443.05 

30 

70.91 

163.31 

253.00 

346.11 

442.77 

31 

76 .  o~ 

162.95 

252.65 

345.75 

442.48 

32 

76.13 

162.55 

252.27 

34^.42 

442.14 

33 

75.70 

162.15 

251.88 

345.06 

441.80 

34 

75.27 

161.73 

251.48 

344.67 

441.45 

35 

74.82 

161.29 

251.06 

344.27 

441.07 

36 

74.34 

160.83 

250.62 

343.85 

440.67 

37 

73.85 

160.35 

250.14 

343.39 

440.25 

38 

73.33 

159.84 

249.65 

342.92 

439.80 

39 

72.79 

159.31 

249.14 

342.42 

439.34 

40 

72.24 

158.77 

248.61 

341.91 

438.85 

41 

71.66 

158.23 

248.06 

341.38 

438.35 

42 

71.05 

157.03 

247.50 

340.83 

437.81 

43 

70.42 

157.01 

246.89 

340.24 

437.25- 

44 

69.79 

156.39 

246.28 

339.64 

436.65 

45 

69.13 

155.73 

245.63 

339.00 

436.01 

46 

68.48 

155.08 

244.96 

338.30 

435.30 

47 

67.79 

154.40 

244.27 

337.61 

434. 5r 

48 

67.10 

153.68 

243.53 

336.80 

433.72 

49 

66.42 

152.95 

242.72 

335.92 

432.83 

50 

65.73 

152.20 

241.88 

335.01 

431.86 

51 

65.04 

151.41 

241.01 

334.05 

430.82 

52 

64.35 

150.62 

240.10 

333.04 

429.73 

53 

63.06 

149.80 

239.14 

331.94 

428.52 

64 

62.97 

148.96 

238.14 

330.78 

427.24 

55 

62.31 

148.14 

237.10 

329.57 

425.90 

56 

61.65 

147.25 

236.02 

328.28 

424. 4:J 

57 

61.00 

146.38 

234.90 

326.92 

422.87 

58 

60.38 

145.49 

233.73 

325.48 

421.20 

59 

59.79 

144.60 

232.52 

323.96 

419.42 

60 

59.23 

143.70 

231.27 

322.35 

417.50 

84 

MODIFIED  PEELIMINAKY  TEEM. 
eI;:  3%  MEAN  EESEIiVES. 

ENDOWMENT  IN  10  YEAKS. 


Asc. 

Otli  Yen  p. 

7tli  Year. 

8th  Year. 

Oth  Year. 

lOtn  Year. 

21 

545 . OG 

649.00 

756.92 

869.02 

985.44 

22 

544.90 

648.88 

756.83 

868.96 

985.44 

23 

544.71 

648.72 

756.72 

868.90 

985.44 

24 

544.52 

648.57 

756.62 

868.84 

985.44 

25 

544.32 

648.40 

756.50 

868.77 

985.44 

20 

544.11 

648.23 

756.36 

868.70 

985.44 

27 

543.88 

648.04 

756.23 

868.63 

985.44 

28 

543.68 

647.85 

756.09 

868.55 

985.44 

29 

543.40 

647.64 

755.94 

868.46 

985.44 

30 

543.16 

647.44 

755.80 

868.40 

985.44 

31 

542.90 

647.23 

755.63 

868.30 

985.44 

32 

542.61 

646.97 

755.43 

868.18 

985.44 

33 

542.29 

646.70 

755.22 

868.05 

985.44 

34 

541.98 

646.43 

755.03 

867.95 

985.44 

35 

541.64 

646.15 

754.80 

867.82 

985.44 

36 

541.27 

645.83 

754.56 

867.68 

985.44 

37 

540.90 

645.51 

754.31 

867.54 

985.44 

38 

540.48 

645.16 

754.04 

867.37 

985.44 

39 

540.00 

644.80 

753.76 

867.21 

985.44 

40 

539.61 

644.40 

753.45 

867.03 

985.44 

41 

539.11 

643.97 

753.11 

866.83 

985.44 

42 

538.64 

643.54 

752.76 

866.61 

985.44 

43 

538.10 

643.05 

752.37 

866.38 

985.44 

44 

537.52 

642.51 

751.92 

866.09 

985.44 

45 

53G.90 

941.94 

751.46 

865.81 

985.44 

46 

536.20 

641.30 

750.93 

865.47 

985.44 

47 

535.46 

640.50 

750.35 

865.13 

985.44 

48 

534.63 

639.83 

749.72 

864.74 

985.44 

49 

533.73 

638.98 

749.00 

864.30 

985.44 

m 

532.75 

638.05 

748.21 

863.78 

985.44 

51 

531.68 

637.03 

747.36 

863.26 

985.44 

52 

530.55 

635.94 

746.44 

862.68 

985.44 

63 

529.30 

634.73 

745.40 

862.02 

985.44 

54 

527.96 

633.44 

744.29 

861.31 

985.44 

55 

526.53 

632.03 

743.09 

860.54 

985.44 

56 

524.97 

630.50 

741.76 

859.70 

985.44 

57 

523.29 

628.82 

740.31 

858.76 

985.44 

58 

521.47 

627.02 

738.74 

857.74 

985.44 

59 

519.52 

625.06 

737.01 

856.62 

985.44 

€0 

517.41 

622.92 

735.11 

855.37 

985.44 

Am. 
Ex. 


31% 


MODIFIED    PRELIMINARY  TERM. 
TERMINAL  RESERVES. 


87 

MODIFIED  TRELIMINARY  TER:\r. 


eIT  32%  TERMINAL  RESERVES. 

LIFE  PAID-UP  m  20  YEARS 


Aee. 

1st  Year. 

'20 

7.72 

21 

7.77 

22 

7.81 

23 

7.86 

24 

7.90 

25 

7.94 

26 

7.97 

27 

8.00 

28 

8.03 

29 

8.06 

30 

8.07 

51 

8.08 

32 

8.09 

33 

8.09 

34 

8.09 

35 

8.09 

30 

8.05 

37 

8.01 

38 

7.97 

39 

7.92 

40 

7.85 

41 

7.77 

42 

7. 08 

43 

7.57 

44 

7.46 

45 

7.32 

40 

7.17 

47 

7.00 

48 

6.82 

49 

6.62 

50 

6.40 

51 

6.17 

52 

5.92 

53 

5.65 

54 

5.36 

55 

5.07 

5(5 

4.75 

57 

4.43 

58 

4.09 

59 

3.74 

CO 

3.39 

a  Year. 

3d  Year. 

4th  Yeai 

22.23 

37.32 

53.00 

22.60 

38.02 

54.04 

22.98 

38.75 

55.14 

23.37 

39.49 

56.26 

23.77 

40.20 

57.42 

24.18 

41.05 

58.61 

24.59 

41.87 

59.83 

25.02 

42.71 

61.09 

25.46 

43.57 

62.40 

25.92 

44.46 

63.74 

26.37 

45.38 

65.12 

26.84 

46.31 

66.53 

27.30 

47.26 

67.98 

27.79 

48.26 

69.49 

28.29 

49.27 

71.04 

28.79 

50.29 

72.59 

29.30 

51.34 

74.21 

29.82 

52.42 

75.85 

30.34 

53.52 

-77.55 

30.87 

54.65 

79.29 

31.42 

55.81 

81.08 

31.90 

57.01 

82.90 

32.52 

58.21 

84.78 

33.07 

59.44 

S6.00 

33.64 

60.07 

88.57 

34.19 

61.92 

90.49 

34.76 

63.17 

92.39 

35.30 

64.39 

94.20 

35.82 

65.58 

06.13 

36.31 

66.76 

97.90 

36.80 

67.93 

99.79 

37.28 

69.09 

101.60 

37.75 

70.25 

103.39 

38.20 

71.38 

105.16 

38.65 

72.49 

106.92 

39.07 

73.61 

108.68 

39.50 

74.73 

110.42 

39.93 

75.84 

112.15 

40.33 

76.92 

113.84 

40.73 

78.00 

115.52 

41.13 

79. (»7 

117.19 

69.32 
70.73 
72.19 
73.69 
75.25 
76.85 
78.50 
80.21 
81.96 
83.77 
85.62 
87.54 
89.50 
91.53 
93.62 
95.73 
97.91 
100.15 
102.45 
104.81 
107.24 
109.71 
112.22 
114.77 
117.35 
119.91 
122.45 
124.90 
127.46 
129.92 
132.37 
134.80 
137.20 
139.57 
141.93 
144.26 
146.58 
148.85 
151.08 
153.29 
l.-.5.4t; 


88 

3,         MODIFIED  PRELIMINARY  TERM. 
2%  TERMINAL  RESERVES. 

LIFE  PAID-UP  IN  20  YEARS. 


Age.  etli  Year 

20  86.29 

21  88.07 

22  89.91 

23  91.82 

24  93.79 

25  95.81 

26  97.90 

27  100.07 

28  102.28 

29  104.57 

30  106.93 

31  109.35 

32  111.84 

33  114.41 

34  117.03 

35  119.73 

36  122.50 

37  125.33 

38  128. 2G 

39  131.25 

40  134.31 

41  137.42 

42  140.58 

43  143.77 

44  146.98 
45'  150.17 

46  153.34 

47  156.47 

48  159.57 

49  162.65 

50  165.69 

51  168.70 

52  171.66 

53  174.61 

54  177.51 

55  180.35 

56  183.19 

57  185.95 

58  188.65 


191.30 
193.87 


'tU  Year. 

8th  Year. 

9th  Year. 

lOth  Year. 

103.95 

122.30 

141.40 

161.26 

106.11 

124.88 

144.39 

164. G9 

108.36 

127.53 

147.47 

168.22 

110.07 

130.27 

150.66 

171.87 

113.06 

133.11 

153.95 

175.62 

115.54 

136.04 

157.34 

179.49 

118.07 

139.04 

160.83 

183.50 

120.70 

142.15 

164.45 

187.52 

123.40 

145.35 

168.16 

191.87 

126.19 

148.65 

171.98 

196.22 

129.06 

152.04 

175.92 

200.71 

132.01 

155.53 

179.96 

205.31 

135.02 

159.11 

184.09 

210.04 

138.14 

162.78 

188.36 

214.91 

141.34 

166.57 

192.73 

219.90 

144.61 

170.44 

197.23 

225.00 

147.98 

174.41 

201.82 

230.23 

151.44 

178.49 

206.53 

235.57 

154.98 

182.67 

211.32 

241.01 

158.61 

186.92 

216.22 

246.55 

162.30 

191.26 

221.19 

252.12 

166.06 

195.65 

226.20 

257.73 

169.86 

200.08 

231.23 

263.36 

173.69 

204.50 

236.26 

268.98 

177.50 

208.93 

241.28 

274.58 

181.31 

213.32 

246.26 

280.14 

185.08 

217.69 

251.20 

285.64 

188.80 

222.00 

256.06 

291.04 

192.50 

226.26 

260.88 

296.39 

196.15 

230.46 

265.60 

301.63 

199.76 

234.60 

270.26 

306.76 

203.31 

238.68 

274.82 

311.78 

206.83 

242.69 

279.29 

316.67 

210.28 

246.62 

283.65 

321.42 

213.67 

250.46 

287.88 

326.02 

217.01 

254.20 

292.00 

330.47 

220.27 

257.85 

295.99 

334.72 

223.46 

261.40 

299.81 

338.77 

226.55 

264.80 

303.45 

342.57 

229.54 

.  268.06 

306.87 

346.08 

232.42 

271.14 

310.07 

349.31 

MODIFIED  PKELIMIXAirV  TEKM. 


Am.  ■ 
Ex.    - 

im 

TERMINAL 

KESERVES. 

^ 

LIFE  PAID-UI* 

IN  20  YEARS. 

Age. 

11th  Year. 

12th  Year. 

13th   Year 

14th  Year.       15th  Year. 

20 

1S1.94 

203. 4.J 

225.82 

249.10 

273.31 

21 

185.81 

207.77 

230.62 

2.54.39 

279.13 

22 

189.79 

212.24 

235.58 

259.86 

285.12 

23 

193.91 

216.84 

240.69 

265.50 

291.30 

24 

198.16 

221.59 

245.97 

271.31 

297.67 

25 

202.54 

226.50 

251.40 

277.30 

304.22 

yo 

207.05 

231.53 

256.99 

283.46 

310.96 

27 

211.70 

236.74 

262.75 

289.79 

317.90 

28 

216.49 

242.67 

268.67 

296.31 

325.04 

29 

221.41 

247.57 

274.76 

303.00 

332.37 

30 

226.40 

2.")3.22 

281.00 

309.89 

339.88 

31 

231.65 

259.01 

287.42 

316.93 

347.58 

32 

230.98 

264.95 

293.99 

324.15 

355.45 

33 

242.46 

271.05 

300.73 

331.54 

363.50 

34 

248.07 

277.31 

307.62 

339.08 

371.70 

35 

253.81 

283.68 

314.64 

346.75 

380.02 

36 

259.66 

290.17 

321.79 

354.53 

388.45 

37 

265.64 

296.79 

329.03 

362.41 

396.96 

38 

271.72 

303.49 

336.33 

370.36 

405.56 

39 

277.86 

310.24 

343.72 

378.35 

414.18 

40 

284.06 

317.04 

351.14 

386.38 

422.85 

41 

290.27 

323.87 

358.57 

394.42 

431.51 

42 

296.49 

330.69 

365.98 

402.44 

440.14 

43 

302.71 

337.49 

373.35 

410.41 

448.70 

44 

308.88 

344.24 

380.68 

418.30 

457.21 

45 

315.01 

3.50.91 

387.92 

426.11 

465.59 

40 

321.05 

357.50 

395.05 

433.79 

473.82 

47 

326.98 

363.95 

402.03 

441.30 

481.89 

48 

332.84 

370.32 

408.90 

448.67 

489.78 

49 

338.57 

376.52 

415.56 

455.83 

497.47 

50 

344.17 

382.54 

422.05 

462.77 

504.89 

51 

349.62 

388.42 

428.33 

469.48 

512.04 

52 

354.91 

394.11 

434.39 

475.90 

518.88 

53 

360.03 

399.58 

440.18 

482.03 

525.37 

54 

364.97 

404.80 

445.68 

487.82 

531.47 

55 

369.68 

409.76 

4.50.87 

493.23 

537.16 

56 

374.15 

414.42 

455 . 68 

498.22 

542.36 

57 

378.36 

418.74 

460.10 

502.74 

547.04 

58 

382.24 

422.67 

464.06 

506.75 

551.21 

59 

385.79 

426.19 

467.54 

510.27 

554.90 

60 

388.97 

429.28 

470.59 

513.35 

558.19 

90 


MODIFIED  PKELIMIXAEY  TERM. 


Am.  < 

Ex.    , 

m 

TERMINAL  RESERVES. 

^ 

LIFE  PAID-UP 

IN  20  YEARS. 

Ajfc. 

lOtlx   Year. 

17tU   Year. 

IStU   Year, 

lOth  Year.       ZOth  Year. 

20 

298.51 

324.74 

352.05 

380.40 

410.03 

21 

304.86 

331.64 

359.50 

388.51 

418.69 

22 

311.40 

338.74 

367.20 

390.80 

427.62 

23 

318.14 

346.06 

375.10 

405.34 

436.81 

24 

325.08 

353.60 

383.27 

414.10 

446.28 

25 

332.22 

361.35 

391.66 

423.19 

450.00 

20 

339.57 

369.33 

400.28 

432.48 

460.00 

27 

347.14 

377.55 

409.15 

442.05 

476.26 

28 

354.90 

385.97 

418.22 

451.84 

486.77 

2U 

362.87 

394.61 

427.57 

461.87 

497.53 

30 

371.06 

403.45 

437.12 

472.12 

508.49 

31 

379.40 

412.50 

446.85 

482.56 

519.67 

32 

387.93 

421.71 

4.56.77 

493.18 

531.04 

33 

396.68 

431.10 

466.85 

503.98 

542.58 

34 

405.54 

440.64 

477.09 

514.93 

554.30 

35 

414.50 

450.30 

487.44 

526.02 

566.15 

30 

423.00 

460.07 

407.90 

537.22 

578.15 

37 

432.78 

469.91 

508.46 

548.51 

590.22 

38 

442.02 

479.83 

519.08 

559.89 

602.39 

39 

451.31 

489.78 

.529.75 

571.30 

614.63 

40 

460.60 

499.77 

540.44 

582.76 

626.92 

41 

469.91 

509.74 

5.51.12 

594.23 

639.24 

42 

479.17 

519.07 

561.78 

605.67 

651.55 

43 

488.38 

529.55 

572.37 

617.05 

663.83 

44 

497.50 

539.34 

582.88 

628.36 

676.07 

45 

506.51 

548.99 

593.20 

639.57 

688.24 

46 

515.34 

558.48 

603.48 

650.64 

700.30 

47 

523.98 

567.75 

613.49 

661.49 

712.18 

48 

532.47 

576.89 

623.30 

672.24 

724.01 

49 

540.68 

585.73 

632.93 

682.70 

735.60 

50 

548.63 

594.29 

642.22 

692.91 

746.98 

51 

556.27 

602.52 

651.17 

702.81 

758.13 

563.59 

610.40 

659.79 

712.40 

769.  Oi 

53 

570.51 

617.87 

007.99 

721.02 

779.72 

54 

577.01 

624.89 

075 . 77 

730.49 

790.18 

"V") 

583.04 

631.45 

083.12 

739.04 

800.48 

5(j 

588.56 

637.51 

090.04 

747.20 

810.62 

57 

593.58 

643.11 

090.50 

755.20 

820.64 

58 

598.10 

648.24 

702.09 

702.85 

830.54 

59 

002.17 

652.96 

708.45 

770.18 

840.32 

^0 

005. 8i 

057.30 

713.83 

776.22 

849.92 

Am, 
Ex. 


91 


^  j  MODIFIED  PRELIMINARY  TERM. 

02%  TERMINAL  RESERVES. 

LIFE  PAID-UP  IX  15  YEARS. 


Agre, 

1st  Year. 

2d  Year. 

3d  Year. 

4th  Year. 

5tfc  Year. 

20 

12.44 

31.87 

52.10 

73.14 

95.06 

21 

12. 5G 

32.39 

53.03 

74.51 

96.87 

22 

12.68 

32.93 

54.00 

7.5.93 

98.75 

23 

12.81 

33.48 

54.99 

77.38 

100.68 

24 

12.93 

34.05 

56.02 

78.89 

102.69 

25 

13.05 

34.63 

57.07 

80.43 

104.75 

26 

13.17 

35.22 

58.17 

82.03 

100.87 

27 

13.29 

35.83 

59.28 

83.63 

109.08 

28 

13.41 

36.46 

60.43 

85.38 

111.3-1 

29 

13.53 

37.11 

61.62 

87.13 

113.6V 

30 

13.65 

37.77 

62.85 

88.93 

116.06 

31 

13.76 

38.44 

64.09 

90.77 

118.53 

32 

13.87 

39.12 

65.37 

92.77 

121.06 

33 

13.97 

39.82 

66.69 

94.63 

123.07 

34 

14.07 

40.53 

68.03 

96.62 

126.34 

35 

14.16 

41.25 

69.40 

98.65 

129.07 

36 

14.25 

41.99 

70.80 

100.75 

131.8.-> 

37 

14.33 

42.73 

72.23 

102.87 

134.71 

38 

14.39 

43.48 

73.68 

105.06 

137.64 

39 

14.45 

44.24 

75.16 

107.29 

140.64 

40 

14.50 

45.01 

76.69 

109.57 

143.69 

41 

14.53 

45.79 

78.23 

111.88 

146.80 

42 

14.55 

46.58 

79.79 

114.24 

149.97 

43 

14.55 

47.36 

81.37 

116.62 

153.14 

44 

14.54 

48.15 

82.95 

119.01 

156.35 

45 

14.51 

48.23 

84.55 

121.41 

159.55 

46 

14.46 

49.69 

86.12 

123.76 

162.69 

47 

14.39 

50.43 

87.66 

126.08 

165.79 

48 

14.30 

51.14 

89.14 

128.37 

168.84 

49 

14.18 

51.81 

90.59 

130.59 

171.83 

50 

14.03 

52.45 

92.01 

1.32.77 

174.77 

51 

13.85 

53.05 

93.38 

134.89 

177.63 

52 

13.65 

53.62 

94.71 

130.95 

180.40 

53 

13.41 

54.14 

95.97 

138.92 

183.07 

54 

13.14 

54.62 

97.16 

140.81 

185.65 

55 

12.83 

55.05 

98.29 

142.62 

188.10 

56 

12.49 

55.42 

99.36 

144.35 

190.45 

57 

12.11 

55.76 

100.35 

145.92 

192.61 

58 

11.70 

56.04 

101.27 

147.45 

194.67 

69 

11.25 

56.24 

102.08 

148.81 

196.56 

60 

10.77 

56.40 

102.80 

150.05 

198.23 

92 

3,  MODIFIED  PRELIMINARY  TERM. 

2%  TERMINAL  RESERVES. 

LIFE  PAID-UP  IN  15  YEARS. 


Ase. 

6tl»  Year. 

7th  Year. 

Sth  Year. 

9«h  Year. 

10th  Year. 

20 

117.87 

141.51 

166.33 

192.08 

218.87 

21 

120.14 

144.37 

169.60 

195.86 

223.21 

22 

122.50 

147.24 

172.98 

199.78 

227.70 

23 

124.94 

150.19 

176.47 

203.83 

232.33 

24 

127.45 

153.24 

180.08 

208.02 

237.10' 

25 

130.05 

156.39 

183.81 

212.33 

242.03 

26 

132.73 

159.63 

187.64 

216.78 

247.09 

27 

135.50 

162.98 

191.60 

221.39 

252.39 

28 

138.35 

166.43 

195.68 

226.12 

257.80 

29 

141.27 

170.00 

199.89 

230.99 

263.36 

30 

144.30 

173.66 

204.21 

236.00 

269.08 

31 

147.40 

177.43 

208.66  • 

241.16 

274.96 

32 

150.59 

181.29 

213.24 

246.45 

281.02 

33 

153.87 

185.27 

217.92 

251.90 

287.24 

34 

157.23 

189.34 

222.74 

257.48 

293.61 

35 

160.67 

193.51 

227.67 

263.20. 

300.13 

36 

1(>4.19 

197.80 

232.73 

269.05 

306.81 

37 

167.80 

202.18 

237.90 

275.05 

313.64 

38 

171.50 

206.66 

243.20 

281.14 

320.58 

39 

175.27 

211.24 

248.58 

287.36 

327.65 

40 

179.12 

215.89 

254.05 

293.67 

334.80 

41 

183.03 

220.62 

259.61 

300.05 

342.02 

42 

186.99 

225.39 

265.21 

306.47 

349.28 

43 

190.98 

230.20 

270.81 

312.91 

356.57 

44 

194.98 

234.99 

276.41 

319.34 

363.86 

45 

198.98 

2.39.79 

282.02 

325.78 

371.14 

46 

202.90 

244.50 

287.54 

332.11 

378.31 

47 

206.80 

249.18 

293.02 

338.39 

385.43 

48 

210.62 

253.79 

298.41 

344.59 

392.47 

49 

214.38 

258.30 

303.70 

350.68 

399.38 

50 

218.07 

262.74 

308.90 

356.66 

406.16 

51 

221.65 

267.06 

313.95 

362.47 

412.76 

52 

225.13 

271.26 

318.86 

368.11 

419.17 

53 

228.50 

275.30 

323.00 

373.55 

425.36 

54 

231.73 

279.18 

328.13 

378.75 

431.29 

55 

234.82 

282.88 

332.45 

383.72 

436.94 

56 

237.78 

286.33 

336.52 

388.45 

442.25 

57 

240.47 

289.65 

340.40 

392.78 

447.26 

58 

243.04 

292.73 

343.91 

396.81 

451.82 

59 

245.37 

295.48 

347.13 

400.40 

455.98 

60 

247.48 

297.95 

349.91 

403.65 

459.60 

93 

MODIFIED  rRELi:\IINAKY  TERM. 


Am.  ' 

Ex.    , 

m 

TEK]\IINAL 

KESEKVES. 

LIFE  FAID-Ur 

IN  15  YEAKS. 

Age. 

lltli   Year. 

lirtli    Ve«r. 

13th   Year 

14th   Year.        IBth   Year. 

20 

246.80 

275.87 

306.15 

337.70 

370.55 

21 

251. G9 

281.35 

312.24 

344.42 

377.95 

22 

250. 7G 

287.03 

318.55 

351.39 

385.60 

23 

201.99 

292.89 

325.07 

358.59 

393.49 

24 

207.39 

298.93 

331.78 

365.99 

401.63 

2."» 

272 . 97 

305.18 

338.72 

373.65 

410.03 

2G 

278.71 

311.60 

345.80 

381.53 

418.09 

27 

284.60 

318.26 

353.24 

389.69 

427.62 

28 

290. 7(; 

325.08 

360.82 

398.04 

436.81 

29 

297.05 

332.12 

368.63 

406.66 

446.28 

30 

303.51 

339.35 

376.155 

41.5.52 

4.5G.00 

31 

310.15 

346.79 

384.92 

424.62 

460.00 

32 

310.99 

354.43 

393.40 

4.33.99 

470.20 

33 

324.00 

362.27 

402.10 

443.57 

480.77 

34 

331.19 

370.31 

411.01 

453.39 

497.52 

35 

338.55 

378.53 

420.11 

463.41 

508.49 

3G 

340.07 

386.92 

429.41 

473.62 

519.67 

37 

353 . 75 

395.44 

438.87 

484.02 

531.04 

38 

301.57 

404.16 

448.45 

494.56 

542.58 

39 

309.50 

412.97 

458.19 

505.26 

554.30 

40 

377.50 

421.86 

468.01 

516.04 

566.15 

41 

385.00 

430.87 

477.95 

526.98 

578.13 

42 

393.72 

439.90 

487.94 

537.99 

590.22 

43 

401.89 

448.98 

497.97 

549.05 

602.39 

44 

410.18 

4.58.06 

508.02 

560.14 

614.63 

45 

418.18 

467.16 

518.13 

571.33 

626.92 

46 

426.25 

476.13 

528.09 

582.35 

639.24 

47 

434.26 

485.06 

538.04 

593.43 

651.55 

48 

442.18 

493.92 

547.91 

604.44 

663.  a3 

49 

449.96 

502.63 

557.64 

615.32 

676.07 

50 

457.60 

511.21 

567.25 

626.11 

688.24 

51 

465.05 

519.57 

576.67 

636.75 

700.30 

52 

472.29 

527.75 

585.89 

647.20 

712.23 

53 

479.29 

535.66 

594.87 

657.43 

724.01 

54 

486.02 

543.28 

603.54 

667.40 

7.35.60 

55 

492.42 

550.58 

611.88 

677.09 

746.98 

56 

498.40 

557.47 

619.95 

086.41 

758.13 

57 

504.16 

583.98 

627.42 

605 . 43 

769.04 

58 

509.45 

570.10 

034.59 

704.10 

779.72 

59 

514.23 

575.72 

641.20 

712.29 

790.18 

GO 

518.33 

580.60 

647.42 

720.14 

800.48 

94 


MODIFIED  PEELIMIXAKY  TEKM. 


Am.  ■ 
Ex.    - 

im 

TERMINAL 

RESERVES. 

1 

LIFE  PAID-UP 

IN  10  YEARS. 

Aee. 

1st  Year. 

2d  Year. 

3d  Year, 

4th   Year.           5tli   Year. 

20 

22.12 

51.05 

82.41 

114.45 

147.84 

21 

22.40 

52.48 

83.82 

110.47 

150.49 

22 

22.08 

53.35 

85.30 

118.58 

153.25 

23 

22.90 

54.23 

80.81 

120.74 

156.09 

24 

23.26 

55.16 

88.37 

122.99 

159.04 

25 

23.50 

56.10 

89.99 

125.30 

162.08 

26 

23.86 

57.07 

91.00 

127.68 

165.22 

27 

24.17 

58.07 

93.37 

130.15 

168.47 

28 

24.49 

59.09 

95-13 

132.69 

171.80 

29 

24.81 

60.16. 

96.97 

135.32 

175.26 

30 

25.13 

61.24 

98.85 

138.00 

178.80 

31 

25.46 

62.36 

100.78 

140.79 

182.48 

32 

25.80 

63.50 

102.70 

143.65 

186.25 

33 

20.13 

04.07 

104.81 

146.60 

190.13 

34 

26.47 

65.87 

100.91 

149.03 

194.13 

35 

26.81 

67.10 

109.05 

152.72 

198.22 

30 

27.14 

68.35 

111.24 

155.91 

202.4^ 

37 

27.48 

69.62 

113.49 

159.15 

206.71 

38 

27.81 

70.92 

115.78 

162.50 

211.14 

39 

28.14 

72.23 

118.12 

165.90 

215.65 

40 

28.40 

73.58 

120.53 

169.40 

220.27 

41 

28.78 

74.93 

122.97 

172.95 

224.98 

42 

29.08 

76.32 

125.45 

176.58 

229.77 

43 

29.38 

77.69 

127.96 

180.23 

234.67 

44 

29.66 

79.10 

130.49 

183.94 

239.56 

45 

29.93 

80.48 

133.04 

187.68 

244.49 

4G 

30.18 

81.87 

135.60 

191.40 

249.43 

47 

30.42 

83.26 

138.13 

195.11 

254.36 

48 

30.  o:', 

84.01 

140.02 

198.79 

259 . 25 

49 

30.81 

85.91 

143.07 

202.43 

264.11 

50 

30.97 

87.19 

145.50 

206.03 

268.93 

51 

31.09 

87.42 

147.80 

209.56 

273.68 

52 

31.17 

89.60 

150.17 

213.02 

278.37 

53 

31.21 

90.72 

152.39 

216.37 

282.87 

5i 

31.21 

91.78 

154.53 

219.61 

287.29 

55 

31.16 

92.75 

156.54 

222.73 

291.55 

50 

31.05 

93.04 

158.40 

225.70 

295.65 

57 

30.88 

94.45 

100.25 

228.. 51 

299.50 

58 

30.66 

95.14 

161.88 

231.11 

303.17 

59 

30.37 

95.72 

163.34 

233.51 

306.57 

60 

30.01 

90.  IS 

104.02 

235.07 

309.08 

A  m . 
Ex. 


^1       :\i()i)iFii:i)  iMn:i.iMiNAi;v  tkkm. 

U  2%  TEKMI]S  AL  KE^EK  \'ES. 

LIFE  I»AID-U1»  IN  10  YEAIJ^^. 


Arc. 

G4h  Year. 

7tli  Year. 

8th  Your. 

01  ii  \<-lir. 

loth  V«-nr. 

20 

182.62 

218.80 

250.63 

290.00 

337.02 

-1 

1S5.93 

222. bO 

201.35 

301.40 

343. 2» 

22 

180.37 

227.03 

206.25 

307.14 

349.70 

2a 

192.  i  13 

231.31 

271.30 

313.00 

356.40 

24 

190. CO 

235.75 

270.51 

319.07 

363.39 

25 

200.41 

240.35 

281.90 

325.34 

370.55 

20 

204.32 

245.00 

287.55 

331.80 

377.95 

27 

208.38 

249.97 

293.32 

338.50 

385.60 

28 

212.55 

255.01 

299.27 

345.40 

393.49 

2!) 

216.87 

200.23 

305 . 42 

352.53 

401.03 

30 

221.31 

205.00 

311.75 

359.00 

410.02 

31 

225.90 

271.10 

318.30 

307.40 

418.09 

32 

230.03 

270.85 

325.04 

375.25 

427.02 

33 

235.48 

282.72 

331.95 

383.28 

436.81 

34 

240.47 

288.77 

339.10 

391.56 

446.28 

35 

245.60 

294.90 

340.41 

400.06 

456.00 

36 

250.86 

301.33 

353.94 

408.79 

466.00 

37 

256.26 

307.83 

301.00 

417.76 

476.26 

38 

261.80 

314.59 

309.00 

426.94 

486.77 

39 

267.46 

321.44 

377.09 

436.33 

497.51 

40 

273.26 

328.45 

385.97 

445.93 

508.49 

41 

279.10 

335.00 

394  40 

455.70 

519.68 

42 

2S5.17 

342.80 

402.97 

465.63 

531.04 

43 

291.25 

350.20 

411.03 

475.69 

542.57 

44 

297.41 

357.04 

420.41 

485.91 

554.30 

45 

303.58 

305.12 

429.25 

496.18 

566.15 

46 

309.78 

372.03 

438.15 

506.56 

578.12 

47 

315.98 

380.16 

447.10 

517.02 

590.22 

48 

322.14 

387.60 

450.02 

527.49 

602.38 

49 

32S.29 

395.10 

404.97 

538.01 

614.63 

50 

334.39 

402.02 

473.90 

548.53 

626.92 

51 

340.41 

410.01 

482.70 

559.04 

639.24 

52 

346.33 

417.31 

491.55 

569.47 

651.55 

53 

352.14 

424.47 

500.22 

579.83 

663.83 

54 

357.81 

431.50 

508.76 

590. 07 

676.07 

55 

363.31 

438.34 

517.11 

000.19 

688.24 

56 

368.00 

444.98 

525.27 

610.13 

700.30 

57 

373.66 

451.37 

533.20 

619.86 

712.23 

58 

378.40 

457.48 

540.84 

629.36 

724.01 

59 

382.98 

463.28 

548.17 

638.57 

735.60 

60 

387.16 

4<38.70 

555.13 

647.46 

746.98 

MODIFIED  PRELIMINARY  TERM. 


Am.  ■ 
Ex.    ■ 

m 

TERMINAL  RESERVES. 

1 

ENDOWMENT  IN  20  YEARS. 

Age. 

Ist   Year. 

3d   Year. 

3d  Year. 

4tl»  Year.          Bth  Year. 

20 

26.09 

60.97 

96.70 

133.92 

172.72 

21 

26.43 

60.72       - 

96.45 

133.68 

172.49 

22 

26.16 

60.47 

96.20 

133.44 

172.24 

23 

25.88 

60.19 

95.94 

133.18 

171.99 

24 

25.58 

59.91 

95.66 

132.92 

171.73 

25 

25.28 

59.61 

95.37 

132.64 

171.46 

2<) 

24.96 

59.30 

95.08 

132.35 

171.18 

27 

24.62 

58.98 

94.77 

132.05 

170.90 

•28 

24.27 

58.64 

94.44 

131.74 

170.60 

29 

23.90 

58.30 

94.12 

131.44 

170.30 

30 

23.52 

57.94 

93.79 

131.11 

169.98 

31 

23.12 

57.57 

93.43 

130.78 

169.68 

32 

22.71 

57.17 

93.07 

130.44 

169.35 

33 

22.27 

56.78 

92.71 

130.11 

169.04 

34 

21.82 

56.38 

92.34 

129.77 

168.72 

35' 

21.36 

55.95 

91.95 

129.41 

168.40 

36 

20.87 

55.52 

91.56 

129.07 

168.08 

37 

20.37 

55.08 

91.17 

128.71 

167.77 

38 

19.84 

54.62 

90.78 

128.39 

167.50 

39 

19.30 

54.17 

90.39 

128.07 

167.24 

40 

18 .  75 

53.71 

90.03 

127.78 

167.01 

41 

18.17 

53.24 

89.67 

127.49 

166.79 

42 

17.58 

52.79 

89.31 

127.25 

166.60 

4;j 

1(5.97 

52.31 

88.97 

127.00 

166.44 

44 

IG .  35 

51.85 

88.63 

126.77 

166.29 

45 

15 .  71 

51.37 

88.31 

126.55 

166.13 

4G 

15.06 

50.91 

87.99 

126.32 

165.96 

47 

14.39 

50.43 

87.65 

126.08 

165.78 

48 

13.71 

49.94 

87.30 

125.84 

165.60 

49 

13.02 

49.44 

86.95 

125.00 

165.42 

50 

12.32 

48.94 

86.62 

125.39 

165.28 

51 

11.62 

48.46 

86.31 

125.20 

165.16 

52 

10.91 

47.99 

86.03 

125.05 

165.07 

53 

10.19 

47.53 

85.77 

124.92 

165.03 

54 

9.48 

47.10 

85.54 

124.85 

165.06 

55 

8.76 

40.67 

85.36 

124.84 

165.13 

Am. 
Ex. 


^  ,  MODIFIED  1>RELIMIXARY  TEinf. 

^2%  TERMINAL  KESERVES. 

ENDOWMENT  IN  20  YEARS. 


A(i?e. 

0th  Year. 

Till  Year. 

8tlt  Year, 

Oth  Year. 

lOth  Year. 

20 

213.15 

255.29 

299.20 

344.99 

392.72 

21 

212.92 

255.05 

298.99 

344.78 

392.53 

22 

212.07 

254.83 

298.75 

344.54 

392.29 

23 

212.43 

254.58 

298.51 

344.. 30 

392.07 

24 

212.17 

254.33 

298.27 

344.07 

391.82 

25 

211.91 

254.08 

298.02 

343.82 

391.57 

26 

211.64 

253.79 

297.76 

343.55 

391.32 

27 

211.37 

253.53 

297.49 

343.30 

391.06 

28 

211.07 

253.24 

297.20 

343.02 

390.78 

29 

210.79 

252.97 

296.93 

342.75 

390.50 

30 

210.49 

252.68 

296.65 

342.46 

390.22 

31 

210.18 

252.40 

296:36 

342.18 

389.92 

32 

209.88 

252.08 

296.06 

341.87 

389.62 

33 

209.58 

251.79 

295.77 

341.59 

389.35 

34 

209.27 

251.51 

295.49 

341.31 

389.07 

35 

208.98 

251.22 

295.22 

341.05 

388.80 

36 

208.69 

250.95 

294.97 

340.80 

388.54 

37 

208.42 

250.71 

294.73 

340.58 

388.31 

SS 

208.18 

250.50 

294.54 

340.37 

388.09 

39 

207.96 

2.50.31 

294.36 

340.18 

387.89 

40 

207.78 

250.15 

294.21 

340.02 

387.68 

41 

207.01 

250 . 02 

294.07 

339.85 

387.45 

42 

207.47 

249.90 

293.94 

339.67 

387.20 

43 

207.34 

249.78 

293.78 

339.47 

386.92 

44 

207.22 

249.65 

293.62 

3.39.25 

386.61 

45 

207.09 

249.50 

293.44 

338.99 

386.26 

46 

200.94 

249.. ^4 

293.23 

338.70 

385.87 

47 

206.79 

249.17 

293.01 

3.38.38 

385.42 

48 

206.62 

248.98 

292.75 

338.04 

384.94 

49 

206.47 

248.80 

292.50 

337.67 

384.44 

50 

206.34 

248.64 

292.26 

337.31 

383.91 

51 

206.23 

248.50 

292.04 

336.96 

383.36 

52 

206.16 

248.40 

291.84 

336.60 

382.81 

53 

206.15 

248.33 

291.68 

336.27 

382.26 

54 

206.19 

248.32 

291.54 

335.95 

381.70 

55 

206.29 

248.37 

291.46 

335.67 

381.17 

98 


MODIFIED  PEELIMINAKY  TEKM. 


Am.  ' 
Ex.    ■ 

m 

TERMINAL 

RESERVES. 

^ 

ENDOV^^IENT  IN  20  YEAKS. 

Age. 

lltli   Year. 

12tli   Year. 

L-Jtli   Y«'ar.            14tli   Year.       15tl»   Year. 

20 

442.52 

494.43 

548.  i58 

605.08 

664.01 

21 

442.31 

494.23 

548.39 

604.55 

663. 8D 

22 

442.08 

494.01 

548.17 

604.68 

663.84 

23 

441.86 

493.79 

547.97 

604.49 

663.40 

24 

441.61 

493.55 

547.73 

604.25 

663.24 

25 

441.37 

493.32 

547.49 

604.03 

663  01 

26 

441.12 

493.05 

547.24 

603.79 

662.80 

27 

440.86 

492.80 

546.98 

603.52 

662.54 

28 

449.59 

492.51 

546.70 

603.25 

662.27 

29 

440.30 

492.24 

546.42 

602.96 

662.01 

30 

440.01 

491.94 

546.11 

602.67 

661.72 

31 

439.71 

491.65 

545.82 

602.37 

661.43 

32 

439.41 

491.33 

545.50 

602.06 

661.10 

33 

439.12 

491.04 

545.21 

601.74 

660.79 

34 

438.83 

490.75 

544.90 

601.42 

660.45 

35 

438.57 

490.45 

544.. 58 

601.09 

660.10 

36 

438.29 

490.13 

544.26 

600.72 

659.71 

37 

438.03 

489.87 

543.93 

600.34 

659.27 

38 

437.79 

489.57 

543.57 

599.93 

658.82 

39 

437.54 

489.25 

543.17 

599.47 

658.31 

40 

437.26 

488.90 

542.75 

598.97 

657.75 

41 

436.95 

488.52 

542.28 

598.41 

657.13 

42 

436.62 

488.10 

541.15 

597.79 

600.43 

43 

436.25 

487.62 

541.15 

597.09 

655.64 

44 

435.83 

487.08 

540.50 

596.31 

654.77 

45 

435.37 

486.47 

539.76 

595.45 

653.80 

46 

434.84 

485.80 

538.94 

594.47 

652.72 

47 

434.25 

485.05 

538.03 

593.41 

651  53 

48 

433.61 

484.23 

537.02 

592.23 

650.21 

49 

4.32.93 

483.35 

535.92 

5V)0.94 

648.77 

50 

432.20 

482.41 

034.74 

589.55 

647.19 

51 

431.44 

481.39 

533.49 

588.06 

645.49 

52 

430.65 

480.34 

532.15 

586.43 

643.64 

53 

429.83 

479.23 

5.30.72 

584.69 

641.64 

54 

429.00 

478.05 

529.18 

582.81 

639.45 

55 

428.12 

476.80 

527.54 

580.77 

637.05 

9f> 


Am 
Ex. 


31% 


MODIFIED  PKELIMINAKY  TEK.M. 
TEIIMIX A  L  KESE II V  i:8. 

endowme:nt  m  20  yeakjs. 


Age. 

lGtl»  Year. 

17th  Year. 

IStli  Year. 

10th  Year. 

20th  Year. 

20 

725.52 

789.73 

856.79 

926.82 

1000.00 

21 

725.38 

789.62 

856.69 

926.78 

1000.00 

22 

725.20 

789.40 

856.58 

926.69 

1000.00 

23 

725.04 

789.33 

856.47 

926.65 

1000.00 

24 

724.82 

789.14 

856.33 

926.56 

1000.00 

25 

724.62 

788.96 

856.19 

926.48 

1000.00 

2G 

724.40 

788.78 

856.06 

926.40 

1000.00 

27 

724.18 

788.59 

855.90 

926.32 

1000.00 

28 

723.92 

788.36 

855.72 

926.19 

1000.00 

29 

723.67 

78S.14 

855.54 

926.11 

1000.00 

30 

723.42 

787.89 

855.. 35 

925.98 

1000.00 

31 

723.12 

787 . 65 

855.14 

925.85 

1000.00 

32 

722.82 

787.35 

854.90 

925.69 

1000.00 

33 

722.50 

787.06 

854.66 

925.55 

1000.00 

34 

722.16 

780.73 

854.40 

925.37 

1000.00 

35 

721.79 

786.38 

854.09 

925.19 

1000.00 

36 

721.38 

785.99 

853.75 

924.97 

1000.00 

37 

720.95 

785.56 

853.39 

924.74 

1000.00 

38 

720.46 

785.09 

852.99 

924.49 

1000.00 

39 

719.93 

784.56 

852.54 

924.20 

1000.00 

40 

719.32 

783.98 

852.04 

923.88 

1000.00 

41 

718.67 

783.33 

851.48 

923.53 

1000.00 

42 

717.93 

782.61 

850.87 

92:3.15 

1000.00 

43 

717.10 

7S1.81 

850.18 

922.70 

1000.00 

44 

716.18 

780.92 

849.41 

922.21 

1000.00 

45 

715.17 

779.91 

848.56 

921.68 

1000.00 

46 

714.01 

778.80 

847.59 

921.05 

1000.00 

47 

712.76 

777.55 

846.53 

920.37 

1000.00 

48 

711.36 

776.20 

845.35 

919.62 

1000.00 

49 

709.83 

774.69 

844.05 

918.78 

1000.00 

50 

708.15 

773.04 

842.62 

917.86 

1000.00 

51 

706.33 

771.23 

841.03 

916.83 

1000.00 

52 

704.33 

769.24 

839.30 

915.70 

1000.00 

53 

702.15 

767.05 

837.37 

914.44 

1000.00 

54 

699.77 

704.06 

835.26 

913.05 

1000.00 

55 

697.14 

762.00 

832.91 

911.53 

1000.00 

100 

31  MODIFIED  PEELIMINARY  TERM. 

2%  TERMINAL  RESERVES. 

ENDOWMENT  IN  15  YEARS. 


4sre. 

1st  Year. 

2d  Year. 

3d  Year. 

4th  Year. 

6th  Year. 

20 

42.99 

94.29 

147.77 

203.51 

261.64 

n 

42.73 

94.04 

147.51 

203.26 

261.39 

22 

42. 4G 

93.77 

147.26 

203.02 

261.14 

23 

42.17 

93.49 

146.98 

202.74 

260.87 

24 

41.87 

93.20 

146.69 

202.46 

260.60 

41.56 

92.89 

146.39 

202.17 

260.32 

2G 

41.23 

92.50 

146.08 

201.85 

260.00 

27 

40.89 

92.23 

145 . 74 

201.53 

259.71 

2S 

40.53 

91.87 

145.39 

201.20 

259.37 

29 

40.15 

91.51 

145.04 

200.84 

259.03 

30 

39.76 

91.13 

144.67 

200.47 

258.66 

31 

39.34 

90.72 

144.27 

200.08 

258.29 

32 

38.91 

90.29 

143.85 

199. G9 

257.88 

33 

38.45 

89.85 

143.43 

199.27 

257.48 

34 

37.98 

89.40 

142.99 

198.84 

257.05 

35 

37.48 

88.92 

142.51 

198.37 

256.59 

3G 

36.95 

88.41 

142.02 

197.89 

256.11 

37 

36.41 

87.89 

141.51 

197.38 

255.62 

3S 

35.84 

87.34 

140.98 

196.87 

255.12 

39 

35.24 

86.77 

140.43 

196.35 

254.60 

40 

34.63 

86.19 

139.88 

195.81 

254.09 

41 

33.98 

85.58 

139.32 

195.26 

253.55 

42 

33.31 

84.97 

138.73 

194.71 

252.99 

43 

32.61 

84.32 

138.13 

1W.12 

252.42 

44 

31.89 

83.66 

137.50 

193.52 

251.82 

45 

31.14 

82.96 

136.85 

192.88 

251.16 

46 

30.37 

82.26 

136.18 

192.19 

250.43 

47 

29.56 

81.51 

135.44 

191.43 

249.63 

48 

28.74 

80.73 

134.65 

190.63 

248.78 

49 

27.88 

79.90 

133.82 

189.77 

247.84 

50 

27.00 

79.04 

132.96 

188.86 

246.86 

51 

26.09 

78.16 

132.06 

187.90 

245.81 

52 

25.15 

77.24 

1.31.12 

186.89 

244.69 

53 

24.19 

76.29 

130.14 

185.82 

243.51 

54 

23.20 

75.32 

129.11 

184.70 

242.27 

55 

22.19 

74.31 

128.06 

183.55 

240.96 

5fi 

21.16 

73.28 

12G.97 

182.35 

239.59 

57 

20.11 

72.24 

125.87 

181.11 

238.15 

58 

19.04 

71.17 

124.72 

179.82 

236.65 

59 

17.95 

70.07 

123.54 

178.49 

235.09 

CO 

16.85 

68.97 

122.34 

177.11 

233.45 

101 

MODIFIED  PRELIMINARY  TEl^r. 


Am.  - 
Ex.    . 

im 

TERMINAL  RESERVES. 

1 

ENDOWMENT  IN  15  YEARS. 

Age. 

6tU  Year. 

7tU   Year. 

8«li   Year. 

Otli   Year.          10th    Year. 

20 

322.24 

385.43 

451.33 

520.07 

591.77 

21 

322.00 

385.20 

451.12 

519.87 

591.60 

22 

321.75 

384.98 

450.90 

519.66 

591.40 

23 

321.50 

384.72 

450.65 

519.44 

591.20 

24 

321.23 

384.46 

450.42 

519.20 

590.98 

25 

320.96 

384.20 

450.16 

518.95 

590.76 

2G 

320.65 

383.90 

449.88 

518.68 

590.51 

27 

320.36 

383.61 

449.59 

518.43 

590.27 

28 

320.02 

383.28 

449.28 

518.14 

590.00 

29 

319.69 

382.96 

448.96 

517.83 

589.70 

30 

319.34 

382.62 

448.63 

517.51 

589.40 

31 

318.96 

382.26 

448.27 

517.17 

589.07 

32 

318.58 

381. 86 

447.90 

516.80 

588.73 

33 

318.18 

381.47 

447.51 

516.40 

588.38 

34 

317.75 

381.06 

447.10 

516.03 

588.00 

35 

317.30 

.    380.60 

446.65 

515.60 

587.58 

3G 

316.82 

380.13 

446.19 

515.14 

587.15 

37 

316.34 

379.66 

445.73 

514.70 

586.72 

38 

315.84 

379.17 

445.25 

514.19 

586.23 

39 

315.34 

378.67 

444.73 

513.69 

585.73 

40 

314.83 

378.15 

444.21 

513.16 

585.19 

41 

314.28 

377.60 

443.  (>4 

512.57 

584.58 

42 

313.72 

377.02 

443.04 

511.92 

583.91 

43 

313.13 

376.41 

442.37 

511.23 

583.18 

44 

312.50 

375.71 

441.63 

510.44 

582.36 

45 

311.79 

374.95 

440.80 

509.56 

581.45 

4G 

311.01 

374.09 

439.90 

508.58 

580.44 

47 

310.16 

373.17 

438.88 

507.49 

579.30 

48 

309.22 

372.16 

437.76 

506.31 

578.00 

49 

308.21 

371.04 

436.54 

504.98 

576.68 

50 

307.12 

369.83 

435.22 

503.56 

575.18 

51 

305.95 

368.53 

433.78 

502.01 

573.53 

52 

304.70 

367.14 

432.23 

500.30 

571.73 

53 

303.38 

365.63 

430.56 

498.47 

569.78 

54 

301.96 

364.03 

428.75 

496.47 

567.64 

55 

300.47 

302.31 

426.80 

404.32 

565.34 

56 

298.88 

360.48 

424.71 

492.00 

562.83 

57 

297.21 

358.54 

422.50 

489.51 

560.12 

58 

295.44 

356.47 

420.10 

486.80 

557.16 

59 

293.59 

354.27 

417.54 

483.89 

5.53.95 

CO 

291.62 

351.92 

414.77 

480.70 

550.43 

102 


All 
Ex 


■ii% 


.MODIFIED  PEELIMINAIIY  TERM. 

TERMINAL  RESERVES. 

ENDOWMENT  IN  15  YEARS. 


Aee. 

lltU  Year. 

13th  Tear. 

13th  Year. 

14th  Year. 

ISth  Y'ear. 

20 

666.61 

744.66 

820.15 

911.21 

1000.00 

21 

666.44 

744.53 

826.05 

911.13 

1000.00 

22 

666.26 

744.40 

825.95 

911.09 

1(  KHJ  .  Ul ) 

23 

666.07 

744.24 

825.83 

911.03 

1000.00 

24 

665.88 

744.08 

825.70 

910.94 

1000.00 

25 

665.69 

743.92 

825.58 

910.90 

1000.00 

26 

605.46 

743.71 

825.43 

910.80 

1000.00 

27 

665.25 

743.54 

825.30 

910.72 

1000.00 

28 

665.00 

743.31 

825.13 

910.63 

1000.00 

29 

664.74 

743.10 

824.96 

910.51 

1000.00 

30 

664.46 

742.86 

824.76 

910.40 

1000.00 

31 

664.15 

742.60 

824.58 

910.29 

1000.00 

32 

663.85 

742.33 

824.36 

910.18 

1000.00 

33 

663.52 

742.05 

824.15 

910.06 

1000.00 

84 

663.17 

741.76 

823.92 

909.93 

1000.00 

35 

062.79 

741.42   • 

823.64 

909.75 

1000.00 

36 

662.37 

741.04 

823.35 

909.57 

1000.00 

37 

661.96 

740.67 

823.06 

909.40 

1000.00 

38 

601.51 

740.25 

822.71 

909.19 

1000.00 

39 

661.02 

739.79 

822.33 

908.95 

1000.00 

40 

660.49 

739.29 

821.94 

908.70 

1000.00 

41 

659.87 

738.75 

821.47 

908.41 

1000.00 

42 

659.21 

738.13 

820.95 

908.10 

1000.00 

43 

658.49 

737.46 

820.38 

907.76 

1000.00 

44 

657.67 

736.69 

819.77 

907.37 

1000.00 

45 

656.77 

735.83 

819.06 

906.93 

1000.00 

46 

655.75 

734.89 

818.29 

906.44 

1000.00 

47 

654.60 

733.81 

817.31) 

905.89 

1000.00 

48 

653.36 

732.66 

816.43 

905.30 

1000.00 

49 

651.98 

731.35 

815.34 

904.61 

1000.00 

50 

650.46 

729.93 

814.14 

903.87 

1000.00 

51 

648.80 

728.34 

812.83 

903.06 

1000.00 

52 

646.98 

726.63 

811.38 

902.13 

1000.00 

53 

644.99 

724.74 

809.79 

901.14 

1000.00 

54 

642.82 

722.06 

808.03 

900.03 

1000.00 

55 

640.44 

720.38 

806.10 

898.80 

1000.00 

5(J 

637.85 

717.89 

803.95 

897.44 

1000. or 

57 

635.04 

715.16 

801.04 

895.94 

1000.00 

58 

631.95 

712.15 

799.04 

894.29 

1000.00 

59 

628.58 

708.85 

796.19 

892.45 

1000.00 

60 

624.85 

705.19 

793.04 

890.42 

1000.00 

io;j 


MODIFIED  PKELIMTXARY  TERM. 


Am. 
Ex. 

32% 

TERMINAL 

RESERVES. 

ENDOWMENT 

IN  10  YEAES. 

Aee. 

1st  Year. 

2d  Year. 

3d  Year 

4th  Year.         6th  Year. 

20 

76.44 

163.63 

252.51 

346.24 

444.00 

21 

76.18 

162.38 

252.26 

346.01 

443.79 

22 

75.91 

162.12 

252.03 

345.79 

443 .  .58 

23 

75.63 

161.85 

251.76 

345.55 

443.30 

24 

75.33 

161.57 

2.51.49 

345.30 

443.13 

25 

75.02 

161.27 

251.20 

345.02 

442.89 

2G 

74.69 

100.95 

250.91 

344.74 

442.02 

27 

74.35 

160.62 

250.59 

344.44 

442.36 

2S 

74.00 

160.27 

250.20 

344.14 

442.07 

29 

73.62 

159.91 

249.92 

343.81 

441.77 

30 

73.22 

159.53 

249.56 

343.46 

441.45 

31 

72.81 

159.13 

249.16 

343.09 

441.12 

32 

72.37 

158.70 

248.76 

342.71 

440.76 

33 

71.91 

158.26 

248.34 

342.32 

440.39 

.•^l 

71.43 

157.79 

247.89 

341.89 

439.99 

35 

70.92 

157.30 

247.41 

341.42 

439.56 

3G 

70.40 

156.78 

246.90 

340.94 

439.09 

37 

69.83 

156.23 

246.36 

340.42 

438.60 

38 

69.24 

155.66 

245.80 

339.89 

438.11 

39 

68.62 

155.04 

245.20 

339.30 

437.54 

40 

67.97 

1.54.41 

244.58 

338.70 

436.98 

41 

67.29 

153.74 

243.94 

338.07 

436.38 

42 

66.58 

153.04 

243.24 

337.40 

435.71 

43 

65.83 

152.30 

242.52 

336.68 

435.03 

44 

65.05 

151.53 

241.75 

335.92 

434.28 

45 

64.23 

150.71 

240.94 

335.10 

433.47 

4G 

63.38 

149.87 

240.08 

334.22 

432.58 

47 

62.49 

148.96 

239.14 

333.25 

431.59 

48 

61.56 

148.00 

238.12 

332.20 

430.51 

49 

60.00 

146.98 

237.04 

331.06 

429.33 

50 

59.59 

145.90 

235.88 

329.83 

428.00 

51 

58.55 

144.76 

234.64 

328.51 

426.68 

52 

57.45 

143.56 

233.34 

327.09 

425.19 

53 

56.31 

142.28 

231.92 

325.54 

423.56 

54 

55.13 

140.95 

230.41 

323.89 

421.81 

55 

53.89 

139.52 

228.81 

322.12 

419.90 

56 

52.61 

138.03 

227.10 

320.21 

417.86 

57 

51.27 

1.36.46 

225.29 

318.16 

415.62 

58 

49.88 

134.79 

223.34 

315.96 

413.21 

59 

48.44 

133.04 

221.27 

313.59 

410.61 

«0 

46.94 

131.20 

219.06 

311.05 

407.80 

104 


Am.  • 

Ex.  : 

J% 

TERMINAL 

RESERVES. 

1 

W  L  /^^ 

ENDOWMENT  IN  10  YEAKS. 

Arc. 

etli   Year. 

rtU   Year. 

Sill  Year. 

9th  Year.         lOtli  Year. 

20 

545.97 

652.35 

763.33 

879.14 

1000.00 

21 

545.78 

652.18 

7a3.22 

879.08 

1000.00 

545.59 

652.04 

763.11 

879.01 

1000.00 

23 

545.40 

651.88 

762.98 

878.90 

1000.00 

24 

545.20 

651.71 

762.88 

878.88 

1000.00 

25 

544.99 

651.54 

762.73 

878.81 

1(X)0.00 

26 

544.75 

651.34 

762.60 

878.70 

1000.00 

27 

544.52 

651.141 

762.44 

878.64 

1000.00 

28 

544.26 

650.93 

762.28 

878.55 

1000.00 

29 

544.00 

650.71 

762.11 

878.47 

1000.00 

30 

543.72 

650.47 

761.93 

878.36 

1000.00 

31 

543.41 

650.22 

761.74 

878.26 

1000.00 

32 

543.10 

649.94 

761.55 

878.13 

1000.00 

33 

542.76 

649.65 

761.32 

878.01 

1000.00 

34 

542.40 

649.35 

761.09 

877.88 

1000.00- 

35 

542.02 

649.02 

760.83 

877.73 

1000.00 

36 

541.59 

648.65 

760.55 

877.56 

1000.00 

37 

541.15 

048.27 

760.26 

877.40 

1000.00 

38 

540.69 

647.89 

759.97 

877.22 

1000.00 

39 

540.17 

647.43 

759.60 

876.99 

1000.00 

40 

539.65 

646.97 

759.24 

876.79 

1000.00 

41 

539.09 

646.49 

758.86 

876.57 

1000.00 

42 

538.47 

645.92 

758.41 

S76.28 

1000.00 

43 

537.81 

645.34 

757.93 

876.00 

1000.00 

44 

537.10 

644.67 

757.39 

875.67 

1000.00 

45 

536.29 

643.95 

756.79 

875.29 

1000.00- 

46 

535.42 

643.15 

756.14 

874.90 

1000.00 

47 

534.47 

642.25 

755.41 

874.44 

1000.00 

48 

533.40 

641.28 

754.60 

873.96 

1000.00 

49 

532.24 

640.20 

753.72 

873.41 

1000.00 

50 

530.97 

6:39.01 

752.74 

872.81 

1000.00 

51 

529.58 

637.72 

751.66 

872.15 

1000.00 

52 

528.08 

636.32 

750.50 

871.42 

1000.00 

53 

526.44 

634.75 

749.20 

870.61 

1000.00 

54 

524.65 

633.06 

747.79 

869.72 

1000.00 

55 

522.72 

631.21 

746.21 

868.74 

1000.00 

56 

520.61 

629.19 

744.51 

867.66 

1000.00 

57 

518.30 

626.98 

742.63 

866.45 

1000.00 

58 

515.80 

624.56 

740.56 

865.16 

1000.00 

59 

513.08 

621.93 

738.31 

863.71 

1000.00 

60 

510.13 

619.04 

735.82 

862.11 

1000. oa 

io.> 
MODIFIED  rRELIMINAIlY  TFAIM 


e7:  3?%  MEAN  KESERYES. 

LIFE  PAID-UP  IN  20  YEARS 


Ape. 

1st   Year. 

2d   Yenr. 

Sd   Year. 

4th   Yenr, 

5tU   Year. 

20 

11. ;« 

25.50 

40.. 30 

55.75 

71.75 

21 

11.41 

25.95 

41.08 

56.80 

73.15 

22 

11.47 

20.35 

41.82 

57.90 

74.62 

23 

11.54 

20.70 

42.57 

59.02 

76.12 

24 

11.01 

27.17 

43.35 

60.18 

77.67 

25 

11.07 

27.01 

44.16 

61.38 

79. 2S 

2(i 

11.7.3 

28.04 

44.99 

62.61 

•  80.93 

27 

11.80 

28.40 

45.85 

63.88 

82.03 

28 

11.80 

28.90 

40.73 

65.20 

84.4a 

29 

11.92 

29.45 

47.65 

66.55 

86.21 

30 

11.98 

29.93 

48.59 

67.96 

88.08 

31 

12.03 

30.43 

49.55 

69.39 

90.01 

32 

12.08 

30.94 

50.52 

70.86 

91.98 

33 

12.14 

31.47 

51.55 

72.40 

94.04 

34 

12.18 

32.02 

52.01 

73.98 

96.16 

35 

12.24 

32.58 

53.68 

75.58 

98.30 

3G 

12.27 

33.14 

54.78 

77.24 

100.52 

37 

12.30 

33.72 

55.93 

78.94 

102.81 

38 

12.35 

34.32 

57.10 

80.70 

105.17 

39 

12.38 

34.93 

58.30 

82.51 

107.59 

40 

12.41 

35.57 

59  ..55 

84.38 

110.10 

41 

12.44 

36.21 

60.85 

86.30. 

112.05 

42 

12.47 

36.89 

02.15 

88.28 

115.29 

43 

12.49 

37.57 

63.51 

90.30 

117.97 

44 

12.52 

38.29 

04.89 

92.36 

120.70 

45 

12.55 

39.01 

66.31 

94.46 

123.45 

40 

12.00 

39.77 

67.77 

96.58 

120.22 

47 

12.05 

40.53 

69.23 

98.71 

128.99 

48 

12.71 

41.32 

70.70 

100.85 

131.79 

49 

12.80 

42.12 

72.19 

103.01 

134.59 

50 

12.90 

42.94 

73.71 

105.20 

137.42 

51 

13.05 

43.81 

75.27 

107.43 

140.28 

52 

13.21 

44.71 

76.87 

109.69 

143.17 

53 

13.35 

45.54 

78.50 

111.99 

146.08 

54 

13.03 

40.62 

80.18 

114.32 

149.04 

55 

13.91 

47.64 

81.91 

116.72 

152.04 

106 


^"31% 


AEODIFIED  PRELIMINARY  TERM. 

MEAN  RESERVES. 

LIFE  PAID-UP  IN  20  YEARS. 


Ako, 

Otli  Year. 

7th  Year. 

8th  Year. 

9th  Year. 

tOth  Year. 

20 

88.39 

105.71 

123.71 

142.44 

161.92 

21 

90.17 

107.86 

126.26 

145.40 

165.31 

22 

92.00 

110.09 

128.90 

148.45 

168.80 

23 

93.90 

112.39 

131.61 

151.61 

172.41 

2-1 

95.86 

114,76 

1.34.42 

154.87 

176.12 

25 

97.88 

117.22 

137.34 

158.24 

179.96 

2G 

99.96 

119.75 

140.32 

161.70 

183.93 

27 

102.12 

122.37 

143.41 

185.28 

188.02 

28 

104.34 

125.06 

146.59 

168.97 

192.23 

29 

106.63 

127.84 

149.88 

172.77 

196.56 

30 

108.99 

130.71 

153.26 

176.69 

201.03 

31 

111.42 

133.65 

156.74 

180.72 

205.61 

32 

113.91 

136.67 

160.30 

184.84 

210.31 

33 

116.50 

139.80 

163.99 

189.10 

215.16 

34 

119.15 

143.01 

167.78 

193.48 

220.14 

35 

121.87 

146.31 

171.67 

197.98 

225.26 

36 

124.67 

149.70 

175.66 

202.58 

230.49 

37 

127.55 

1.53.19 

179.77 

207.32 

233.86 

38 

130.52 

156.79 

183.99 

212.16 

241.33 

39 

133.57 

160.47 

188.30 

217.11 

246.92 

40 

136.71 

164.24 

192.72 

222.16 

252.59 

41 

139.91 

168.09 

197.20 

227.27 

258.31 

42 

143.19 

172.01 

201.76 

232.44 

264.08 

43 

146.52 

175.98 

206.35 

237.63 

269.87 

44 

149.90 

179.98 

210.95 

242.84 

275.67 

45 

153.29 

183.99 

215.57 

248.04 

281.45 

46 

156.70 

188.01 

220.19 

253.25 

287.22 

47 

160.10 

192.02 

224.78 

258.41 

292.93 

48 

163.51 

196.03 

229.38 

263.57 

298.59 

49 

166.94 

200.05 

233.96 

268.68 

304.27 

m 

170.37 

204.07 

238.52 

273.77 

309.85 

51 

173.83 

208.09 

243.08 

278.83 

315.38 

52 

177.30 

212.12 

247.63 

283.86 

320.85 

53 

180.81 

216.16 

252.17 

288.85 

326.25 

54 

184.33 

220.20 

256.68 

293.78 

331.56 

55 

1S7.88 

224.25 

261.18 

298.67 

336.81 

Am. 
Ex. 


lo: 


35% 


MODIFIED  PKELIMINAKY  TEKM. 

]MEAX  KESEIJYES. 

LIFE  PAID-UP  IN  20  YEAES. 


Age, 

lltli  Year. 

IStU  Year. 

latli  Year. 

14th  Year. 

20 

182.19 

203.28 

225.22 

248.05 

21 

186.02 

207.56 

229.90 

253.27 

22 

189.96 

211.97 

234.86 

258.67 

23 

194.03 

216.52 

239.91 

264.24 

24 

198.23 

221.21 

245.12 

209.98 

25 

202.55 

226.07 

250.50 

275.90 

2G 

207.04 

231.05 

256.02 

281.99 

27 

211.64 

236.20 

261.73 

288.25 

28 

216.40 

241.50 

267.59 

294.71 

29 

221.27 

246.95 

273.62 

301.34 

30 

226.30 

252.55 

279.82 

308.16 

31 

231.45 

258.30 

286.19 

315.15 

32 

236.75 

264.20 

292.71 

322.31 

33 

242.21 

270.28 

299.42 

329.66 

31 

247.81 

276.52 

306.29 

337.18 

35 

253.55 

282.89 

313.30 

344.89 

36 

259.41 

2S9.38 

320.44 

352.62 

37 

265.40 

296.02 

327.72 

360.53 

38 

271.53 

302.77 

335.08 

368.51 

39 

277.74 

309.59 

342.52 

376.57 

40 

283.03 

316.49 

350.01 

384.70 

41 

290.37 

323.42 

357.57 

392.84 

42 

296.71 

330.38 

365.12 

401.00 

43 

303.10 

337.35 

372.67 

409.13 

44 

309.47 

344.30 

380.20 

417.23 

45 

315.83 

351.21 

387.67 

425.27 

46 

322.15 

358.08 

395.08 

433.22 

•47 

328.39 

364.85 

402.37 

441.05 

48 

334.61 

371.. 58 

409.51 

448. 78 

49 

340.75 

378.20 

416.67 

456.. 33 

50 

346.81 

384.70 

423.64 

463.75 

51 

352.78 

391.10 

430.46 

470.99 

52 

358.66 

397.38. 

437.12 

478.02 

53 

364.44 

403.52 

443.60 

484.82 

54 

370.11 

409.50 

449.85 

491.30 

55 

375.65 

415.29 

455.89 

497.62 

15th  Year. 

271.79 
277.53 
283.44 
289.54 
295.83 
302.31 
308.97 
315.83 
322.89 
330.14 
337.60 
345.23 
353.04 
361.05 
369.22 
377.53 
385.95 
394.49 
403.13 
411.80 
420.55 
429.31 
438.08 
446.81 
455.49 
464.10 
472.61 
480.98 
489.22 
497.35 
505.17 
512.84 
520.26 
527.42 
534. 2(; 
540.77 


108 


is3l9& 


MODIFIED  rRELIMIXAKY  TERM. 

MEAN  RESERVES. 

LIFE  PAID-UP  IN  20  YEARS. 


Asre. 

16tt  Year. 

ITtli  Year. 

ISth  Year. 

loth  Year. 

20tlt  Year. 

20 

296.50 

322.21 

348.98 

376.84 

405.83 

21 

302.76 

329.02 

356.34 

384.77 

414.37 

22 

309.21 

336.02 

363.92 

392.95 

423.16 

23 

315.86 

343.24 

371.72 

401.30 

432.22 

2-i 

322.71 

3.50.68 

379.77 

410.04 

441.55 

0-, 

329.77 

358.33 

388.05 

418.97 

451.14 

20 

337.03 

366.21 

396.57 

428.14 

461.00 

344.50 

374.33 

405.33 

437.58 

471.14 

28 

352.19 

382.65 

414.31 

447.25 

481.52 

20 

360.08 

391.20 

423.55 

4.57.18 

492.16 

30 

368.18 

399.97 

433.00 

407.33 

.503.02 

31 

376.46 

408.92 

442.65 

477.68 

514.09 

32 

384.93 

418.06 

452.48 

488.22 

525.35 

33 

393. G2 

427.42 

462.50 

498.94 

536.81 

34 

402.45 

436.92 

472.09 

509.84 

548.44 

3") 

411.40 

446«54 

483.01 

520.87 

560.24 

3G 

420.49 

456.30 

493.45 

.5.32.02 

572.15 

37 

429.68 

466.15 

503.99 

543.29 

584.17 

38 

438.96 

476.09 

514.02 

5.54.65 

596.31 

39 

448.28 

486.08 

525.30' 

566.06 

608.50 

40 

4.->7.G6 

496.12 

530.04 

577.54 

■   620.78 

41 

407.06 

506.17 

540.78 

589.02 

633.08 

42 

470.44 

516.20 

5.5?.  51 

600.51 

645.40 

43 

485.79 

526.22 

.508.21 

611.96 

657.69 

44 

495.09 

536.16 

578.85- 

623.36 

669.96 

45 

504.30 

546.00 

589.38 

634.67 

682.16 

4(5 

513.38 

555.71 

.599.78 

045.86 

694.27 

47 

522.32 

565.25 

010.00 

0.50.87 

706.22 

48 

531.14 

574.68 

020.10 

007.80 

718.12 

49 

539.83 

583:86 

62t).98 

078.47 

729.80 

no 

.^48.10 

592.80 

0:39.60 

088.91 

741.29 

ni 

5.16.24 

601.48 

648.93 

099.07 

752.55 

52 

564.11 

609.87 

657.97 

708.97 

763.59 

53 

571.66 

617.91 

600.05 

718.52 

774.39 

54 

578.85 

025.56 

674.94 

727.74 

784.95 

55 

585.67 

032.82 

682.86 

730.05 

795.33 

1(1! 


i^":-32% 


MODIFIED  riiEJ.LMlNAia   TKILM 
:\[EAX  KESEUYES. 
LIFE  FAID  T'P  IN  15  YEAKS. 


Age. 

1st  Year, 

2«l  Vear. 

:id  Year. 

4tU  Year. 

6tli  Year. 

20 

15.96 

35.00 

54.83 

75.47 

96.9.3 

21 

16.10 

35.54 

55.77 

76.83 

98.75 

22 

16.24 

36.09 

56.75 

78.25 

1Q0.63 

23 

16.39 

36.66 

57.75 

79.70 

102.54 

24 

16.53 

37.24 

58.78 

81.20 

104.54 

.  16.68 

37.84 

59.85 

82.75 

106.50 

20 

16.82 

38.45 

60.95 

84.35 

108.70 

16.98 

39.08 

62.07 

86.00 

110.90 

28 

17.13 

39.73 

63.24 

87.70 

113.15 

2i) 

17.28 

40.40 

64.45 

89.40 

115.48 

30 

17.43 

41 .  09 

65.69 

91.27 

117.87 

31 

17.58 

41.79 

66.95 

93.12 

120.34 

32 

17.73 

42.50 

68.25 

95.03 

122.87 

33 

17.89 

43.24 

69.60 

97.00 

125.49 

34 

18.04 

44.00 

70.98 

99.02 

128.18 

35 

18.19 

44.76 

72.38 

101.08 

130.92 

36 

18.34 

45.55 

73.83 

103.21 

133.73 

37 

18.48 

46.36 

75.31 

105.38 

136.62 

38 

18.63 

47.18 

76.82 

107.01 

139.59 

39 

18.77 

48.01 

78.37 

109.89 

142.63 

40 

18.92 

48.87 

79.97 

112.23 

145.75 

41 

19.05 

49.74 

81.59 

114.64 

148.92 

42 

19.19 

50.64 

83.26 

117.09 

1.52.18 

43 

19.31 

51.54 

84.95 

119.58 

155.47 

44 

19.45 

52.47 

86.68 

122.11 

158.81 

45 

19.59 

53.41 

88.43 

124.67 

162.17 

46 

.  19.72 

54.36 

90.19 

127.22 

165.51 

47 

19.87 

55.32 

91.95 

129.77 

168.84 

48 

20.01 

56.28 

93.70 

132.32 

172.17 

49 

20.19 

57.25 

95.46 

134.85 

175.47 

50 

20.36 

58.22 

97.21 

1.37.37 

178.75 

51 

20.55 

59.19 

98.96 

139.88 

182.00 

52 

20.75 

60.18 

100.71 

142.38 

185.22 

53 

20.97 

61.18 

102.46 

144.85 

188.40 

34 

21.21 

62.18 

104.19 

147.29 

191.53 

55 

21.47 

63.20 

105.93 

149.71 

194.62 

56 

21.77 

64.23 

107.66 

152.12 

197.67 

57 

22.10 

65.29 

109.40 

154.48 

200.61 

58 

22.46 

66.37 

111.15 

156.86 

203.55 

59 

23.88 

67.47 

112.88 

159.17 

206.41 

60 

23.35 

68.61 

114.63 

161.45 

209.17 

no 

\m  O  I  ^t^>l>Il^'n]I)  1»1IELIMIXAHY  TERM. 

k"  0  2%  MEAN  RESEE YES. 

LIFE  1» AID-UP  IN  15  YEARS. 


Ase. 

etb  Year. 

Ttk  Year. 

8tk  Year. 

9tli  Year. 

lOth  Year. 

20 

119.31 

142.54 

166.77 

192.05 

192.05 

'21 

121.57 

145.32 

170.05 

195.79 

222.60 

2-2 

123.91 

148.16 

173.40 

199.67 

227.03 

2;; 

12G.32 

151.08 

176.84 

203.66 

231.59 

24 

128. 82 

1.-4.09 

180.41 

207.80 

236.31 

2." 

131.40 

157.38 

184.06 

212.07 

241.18 

2(J 

134 . 05 

160.43 

187.89 

216.46 

246.19 

27 

136.81 

163 . 76 

191.81 

221.01 

251.41 

28 

139.64 

167.18 

195.85 

225.69 

256.75 

29 

142.55 

170.72 

200.03 

230.52 

262.26 

30 

145.56 

174.36 

204.31 

235.48 

267.92 

.-Jl 

148.65 

178.10 

208.73 

240.60 

273.75 

o2 

151.83 

181.95 

213.27 

245.85 

279.74 

33 

155.11 

185.91 

217.94 

251.25 

285.91 

34 

158.47 

189.98 

222.74 

256.81 

292.24 

35 

161.93 

194.15 

227.65 

262.49 

298.67 

3G 

165.45 

108.43 

232.70 

268.32 

305.36 

37 

169.09 

202.82 

237.87 

274.31 

312.18 

3S 

172.81 

207.32 

243.17 

280.41 

319.10 

30 

176.62 

211.92 

248.58 

286.64 

326.17 

40 

180.52 

216.62 

254.09 

292.98 

333.35 

41 

184.50 

221.41 

259.70 

299.41 

340.62 

42 

188.. 55 

226.26 

265.37 

305.91 

347.95 

43 

192.65 

231.18 

271.09 

312.45 

355.33 

44 

196.79 

236.11 

276.83 

319.00 

362.73 

45 

200.96 

241.08 

282.60 

325.59 

370.15 

4U 

205.08 

245.98 

288.30 

332.11 

377.49 

47 

209.20 

250.90 

294.01 

338.61 

384.82 

48 

213.29 

2.55.77 

299.66 

345.06 

392.09 

49 

217.36 

260.60 

305.60 

3.51.45 

399.29 

50 

221.40 

265.39 

310.80 

357.76 

406.39 

51 

225.38 

270.10 

316.25 

363.95 

413.36 

52 

220.31 

274.74 

321.61 

370.03 

420.19 

53 

2.33.19 

279.30 

326.85 

375.98 

426.86 

54 

236.99 

283.76 

331.96 

381.74 

433.32 

55 

240.72 

288.11 

336.92 

387.34 

439.59 

5G 

244.39 

292.33 

341.70 

392.76 

445.62 

57 

247.88 

296.40 

346.37 

397.93 

451.33 

58 

251.35 

3tK).38 

350.82 

402.86 

456.81 

50 

254.69 

304.15 

355.03 

407.49 

461.91 

lid 

257.88 

307.74 

358.96 

411.81 

466.65 

il  1 


.MODIFIED  PKELIMIXAKV  TIOKM. 


Am.  ' 
Ex.    , 

j;% 

:meak  kesek\  j:s. 

J.IEE  V 

AiD-ur 

IN  15  YEAKS. 

Afire. 

nth  Year. 

12th  Year. 

13th  Year. 

14th  Year. 

IBth   Year. 

20 

245.69 

274.18 

303.86 

3.34.77 

366.97 

21 

250.51 

279.. 58 

309.86 

341.39 

374.25 

22 

255.52 

285.18 

316.08 

348.26 

381.78 

2o 

200.07 

290.95 

322.49 

355.34 

389.55 

2-1 

205.99 

296.01 

329.10 

302.63 

397.56 

25 

271.50 

303.07 

335.95 

370.18 

405.84 

2(i 

277.15 

309.41 

342.98 

377.95 

414.30 

27 

283.04 

315.08 

350.27 

385.98 

423.17 

2S 

289.02 

322.70 

357.74 

394.22 

432.22 

20 

295.29 

329.67 

365.46 

402.73 

441.55 

30 

301. G7 

3.S6.81 

373.38 

411.46 

451.14 

31 

308.24 

344.16 

381.54 

420.46 

461.00 

32 

315.01 

351.72 

389.92 

429.70 

471.13 

33 

321. 9G 

359.48 

398.53 

439.18 

481.. 51 

34 

329.10 

367.45 

407.36 

448.90 

492.15 

35 

336.35 

375.60 

416.38 

4.58.82 

503.01 

30 

343.87 

383.93 

425.60 

468.95 

514.08 

37 

351.53 

392.43 

434.99 

479.28 

525.36 

3S 

359.32 

401.11 

444.65 

489.75 

536.81 

39 

367.24 

409.90 

454.25 

500.39 

548.45 

40 

375.27 

418.80 

464.05 

511.14 

560.21 

41 

383.30 

427.82 

473.90 

522.05 

572.14 

42 

391.57 

4.36.88 

483.90 

533.04 

584.18 

43 

399.82 

446.02 

404.06 

544.10 

596.31 

44 

408.15 

455.25 

504.17 

555.21 

608.51 

45 

416.35 

464.36 

514.34 

566.42 

620.82 

46 

424.56 

473.47 

524.39 

577.50 

633.08 

47 

432.75 

482.57 

534.46 

588.64 

645.40 

48 

440.89 

491.01 

544.48 

599.74 

657.70 

49 

448.93 

500.55 

554.39 

610.74 

660.95 

50 

456.86 

509.39 

564.21 

621.66 

682.16 

51 

464.65 

518.05 

573.86 

632.45 

694.27 

p:i> 

472. 2S 

526.. 57 

583.37 

643.09 

706.26 

53 

479.73 

534.88 

592.67 

6.53.55 

718.12 

54 

486.96 

542.95 

601.71 

663.77 

729.80 

55 

493.94 

550.76 

610.49 

673.75 

741.29 

56 

500.63 

5-58.24 

618.98 

683.45 

752.54 

57 

507.05 

565.41 

627.04 

692.77 

763.63 

58 

513.13 

572.27 

634.84 

701.84 

774.41 

59 

518.83 

578.70 

642.21 

710.50 

784.96 

60 

523.99 

584.49 

G49.04 

718.81 

795. 3i 

11: 


Am. 
Ex. 


3 


MODIFIED  PEELIMINxVEY  TEKM. 

MEAN  EESEin  ES. 

LIFE  PAID-UI*  IX  10  YEAKS. 


Asre. 

1st  Year. 

2d  Year. 

3a  Year. 

4tli  Year. 

Sth.   Year. 

20 

25.44 

54.38 

84.52 

115.92 

148.63 

21 

25.73 

55.22 

85.93 

117.92 

151.26 

22 

2(5.03 

56.10 

87.40 

120.02 

153.99 

23 

20.33 

56.98 

88.90 

122.16 

156.80 

24 

20.65 

57.92 

90.48 

124.38 

159.72 

25 

26.97 

58.86 

92.08 

126.68 

162.72 

26 

27.29 

59.84 

93.74 

129.05 

165.83 

27 

27.63 

60.85 

95.45 

131.48 

169.03 

28 

27.98 

61.89 

97.21 

134.01 

172.34 

29 

28.32 

62.97 

99.05 

136.63 

175.77 

;5() 

28.68 

64.07 

100.93 

139.31 

179.28 

31 

29.04 

65.20 

102.86 

142. OS 

182.93 

:?2 

29.41 

66.37 

104.85 

144.93 

186.67 

33 

29.80 

67.57 

106.91 

147.87 

190.53 

34 

30.18 

68.80 

109.02 

150.90 

194.51 

3r> 

30.57 

70.07 

111.19 

154.00 

198.58 

3G 

30. '.)G 

71.35 

113.40 

157.18 

202.77 

37 

31.35 

72.67 

115.68 

160.44 

207.05 

38 

31.76 

74.03 

118.01 

163.80 

211.48 

39 

32.17 

75.40 

120.39 

167.23 

215.99 

40 

32.58 

76.82 

122.85 

170.76 

220.63 

41 

32.99 

78.25 

125.34 

174.35 

225.36 

42 

33.40 

•79.72 

127.91 

178.04 

.  230.20 

43 

33.82 

81.21 

130.50 

181.77 

235.11 

44 

34.24 

82.73 

133.15 

185.57 

240.11 

4." 

34.66 

84.26 

135.82 

189.42 

245.14 

4(1 

•35.09 

85.83 

138.54 

193.29 

250.21 

47 

35.53 

87.40 

141.25 

197.18 

255.29 

48 

35.97 

88.97 

143.97 

201.06 

260.37 

49 

36.4.1 

90.55 

146.68 

204.94 

265.46 

no 

36.90 

92.10 

149.40 

208.82 

270.53 

r.i 

37.37 

93.76 

1.52.09 

212.66 

275.57 

52 

37.85 

95.27 

154.77 

216.48 

280.56 

53 

38.33 

96.83 

157.42 

220.25 

285.49 

54 

38.82 

98.38 

160.03 

223.97 

290.36 

55 

39.32 

99.90 

162.59 

227.58 

295.08 

5(5 

39.83 

101.40 

165.10 

231.13 

299.73 

57 

40.35 

102.88 

167.57 

234.59 

304.23 

58 

40.88 

104.34 

169.96 

2.37.95 

308.58 

59 

41.44 

105.77 

172.26 

241.15 

312.77 

(50 

42.01 

107.17 

174.47 

244.22 

316.75 

ii;5 


MODIFIED  PRELIMINAIIY  TEIOI. 


Am.  ■ 
Ex.    , 

m 

MEAN  EESERVE?;. 

^ 

W  L   /  ^-^ 

LIFE  V 

AID-UP 

IN  10  YEARS. 

Agre. 

6tb  Year. 

7th  Year. 

8th  Year. 

;mii   Year. 

10th  Year. 

20 

182.72 

218.23 

255.09 

293.81 

334.00 

21 

185.99 

222.17 

259.88 

299.18 

340.15 

22 

189.39 

226.28 

264.72 

304.77 

346.53 

23 

192.89 

230.50 

269.69 

310.52 

353.10 

24 

196.52 

234.87 

274.8.^. 

316.51 

359.93 

25 

200.28 

2.39.41 

280.18 

322.68 

366.98 

26 

204.15 

.      244.07 

285.68 

329.05 

374.25 

27 

208.15 

248.90 

291.37 

335.64 

381.78 

28 

212.28 

2.53.88 

297.24 

342.44 

389.55 

29 

216.55 

2.59.03 

303.31 

349.46 

397.56 

30 

220.94 

264.34 

300.. 56 

356.69 

405.82 

31 

225.48 

269.82 

316.02 

364.17 

414.37 

32 

230.16 

275.46 

322.67 

371.87 

423.16 

33 

234.97 

281.27 

329.. 50 

379.78 

432.21 

34 

239.93 

287.25 

3.86.. 57 

387.96 

441.55 

35 

245.02 

293.39 

343.80 

396.35 

451.14 

3(i 

250.24 

299.70 

351.24 

404.97 

461.00 

37 

255.60 

306.18 

358.89 

413.8;^ 

471.13 

38 

.     261.13 

312.86 

366.76 

422.93 

481.52 

39 

266.77    . 

319.67 

374.78 

432.23 

492.14 

40 

272.56 

326.65 

383.01 

441.75 

503.01 

41 

278.46 

333.77 

391.. S9 

451.44 

514.08 

42 

284.49 

341.03 

399.93 

461., 32 

525.36 

43 

290.62 

348.41 

408.60 

471.34 

536.81 

44 

296.84 

355.88 

417.38 

481.51 

548.45 

45 

303.09 

363.41 

426.24 

491.77 

560.22 

46 

309.40 

371.00 

4.35.18 

502.15 

572.14 

47 

315.73 

378.63 

444.19 

512.62 

584.18 

48 

322.05 

386.25 

4,53.19 

523.11 

596.29 

49 

328.39 

393.91 

462.35 

533.68 

608.51 

50 

334.71 

401.. 56 

471.31 

544.27 

620.78 

51 

340.99 

409.16 

480.33 

554.85 

633.09 

52 

347.22 

416.71 

489.32 

565.40 

645.40 

53 

353.37 

424.17 

498.21 

.575.89 

657.70 

54 

359.43 

431.54 

507.01 

586.. 30 

669.95 

55 

365.37 

4.SS.77 

515.67 

596.59 

682.16 

56 

371.17 

445.83 

.524.17 

606.74 

694.25 

57 

376.81 

452.73 

.532.. 50 

616.75 

706.26 

58 

382.26 

459.41 

540.60 

626.54 

718.13 

59 

387.50 

465.86 

548.45 

636.10 

729.81 

60 

392.49 

472.00 

555.99 

645.37 

741.29 

114 


■x% 


MODIFIED  PEELIMINARY  TERM. 

:MEAN  liESERYES. 

ENDOWMENT  IN  20  YEARS. 


Ase. 

Ist  Year. 

2d  Year. 

3d  Year. 

4th  Year. 

Otli  Year. 

20 

29.90 

03.50 

98.51 

134.99 

173.00 

21 

29.68 

63.25 

98.29 

134.77 

172.79 

22 

29.44 

63.06 

98.08 

134.56 

172.58 

23 

29.19 

62.81 

97.84 

134.34 

172.36 

24 

28.92 

62.58 

97.59 

134.10 

172.14 

25 

28.65 

62.29 

97.34 

133.86 

171.90 

26 

28.37 

62.03 

97.09 

133.62 

171.67 

27 

28.07 

61.74 

96.82 

133.35 

171.42 

28 

27.76 

61.44 

96.53 

1.33.08 

171.16 

29 

27.43 

61.15 

96.26 

132.83 

170.92 

30 

27.10 

60.84 

95.97 

132.56 

170.65 

31 

26.75 

60.52 

95.67 

1.32.28 

170.40 

32 

26.39 

60.18 

95.36 

132.00 

170.14 

33 

26.02 

59.84 

95.06 

1.31.73 

169.89 

34 

25.63 

59.51 

94.77 

131.46 

169.65 

35 

25.23 

.59.16 

94.45 

131.18 

169.42 

3t> 

24.82 

58.80 

94.14 

130.92 

169.20 

37 

24.40 

58.45 

93.84 

130.66 

168.99 

38 

23.96 

58.08 

93.54 

130.43 

168.79 

39 

23.52 

57.72 

93.28 

130.22 

168.64 

40 

23.08 

57.36 

93.02 

130.06 

168.50 

41 

22.61. 

57.04 

92.78 

129.90 

168.46 

42 

22.15 

156.71 

92.57 

129.80 

168.45 

43 

21. 6S 

56.39 

92.39 

129.73 

168.47 

44 

21.22 

56.09 

92.23 

129.69 

168.52 

45 

20.75 

55.80 

92.10 

129.69 

168.60 

46 

20.. 31 

55.55 

91.99 

129.73 

168.71 

47 

19.87 

55.32 

91.95 

129.77 

168.84 

48 

19.44 

55.11 

91.90 

129.85 

169.00 

49 

19.06 

54.94 

91.90 

129.98 

169.22 

50 

18.69 

54.80 

91.95 

130.17 

169.50 

51 

18.37 

54.72 

92.06 

130.42 

169.86 

52 

18.08 

54.69 

92.25 

130.78 

170.30 

53 

17.83 

54.74 

92.53 

131.22 

170.85 

54 

17.64 

54.86 

92.89 

131.76 

171.52 

55 

17.51 

55.04 

93.34 

132.43 

172.31 

Am. 
Ex. 


3 


115 

,  ^MODIFIED  rEELIMINARY  TEK.Ar. 

^  MEAN  KESEKYES. 

EX])()Wi\rEXT  IX  20  vi:ai{s. 


Arc. 

Gth  Year. 

7tU  Year. 

StU  Year. 

Otli  Year. 

lOtU  Year. 

20 

212.01 

253.90 

296.92 

341.77 

388.53 

21 

212.41 

253.69 

296.73 

341.59 

388.36 

22 

212.20 

253.49 

296.. 53 

341.39 

388.16 

23 

211.99 

253.28 

296.32 

341.18 

387.96 

24 

211.76 

253.06 

296.11 

340.98 

387.76 

2." 

211.54 

252.85 

295.90 

340.77 

387.55 

2(! 

211.31 

252.62 

295.67 

340.56 

387.34 

27 

211.08 

252.39 

295.45 

340.34 

387.12 

2S 

210. S3 

252.15 

295.21 

340.10 

386.89 

29 

210.59 

251.93 

294.99 

339.89 

386.67 

30 

210.34 

251.69 

294.77 

339.67 

386.43 

31 

210.10 

251.46 

294.55 

339.44 

386.22 

32 

209.86 

251.22 

294.33 

339.21 

385.99 

33 

209.63 

251.00 

294.12 

339.00 

385.79 

3i 

209.40 

250.80 

293.91 

338.81 

385.60 

35 

209.18 

250.60 

293.72 

338.64 

385.43 

36 

208.99 

250.42 

293.50 

338.49 

385.27 

37 

208.82 

250.29 

293.44 

338.38 

385.17 

38 

208.69 

250.19 

293.37 

338.30 

385.08 

39 

208.59 

250.12 

293.32 

338.26 

385.02 

40 

208.55 

2.50.12 

293.33 

338.27 

385.00 

41 

208.52 

250.14 

293.37 

338.28 

384.97 

42 

208.55 

250.21 

293.44 

338.33 

384.96 

43 

208.64 

250.31 

293.53 

338.37 

384.94 

44 

208.75 

250.43 

293.63 

338.43 

384.92 

45 

208.87 

250.55 

293.73 

338.47 

384.88 

46 

209.02 

250.71 

293.85 

338.53 

384.82 

47 

209.19 

250.89 

294.00 

338.60 

384.81 

48 

209.39 

251.10 

294.15 

338.68 

384.78 

49 

209.65 

251.34 

294.36 

338.79 

384. 7G 

50 

209.98 

251.66 

294.62 

338.95 

384.78 

51 

210.37 

252.04 

294.95 

339.18 

384.84 

52 

210.86 

252.52 

295.36 

339.46 

384.95 

53 

211.47 

2.53.12 

295.88 

339.85 

385.10 

54 

212.19 

253.82 

296.50 

310.31 

385.29^ 

55 

213.04 

254.66 

297.24 

310.89 

385.49^ 

IK) 

]iIODlFIED  PKELIMIXAEY  TEEM. 


Am.  ' 

Ex.    , 

im 

MEAX  KESERVES. 

^ 

ENDOWMEXT  IN 

20  YEAES. 

Age. 

nth  Year. 

12tU  Yea-r. 

ISth  Year. 

14tfc  Year. 

15tli  Year. 

2C. 

437.30 

488.15 

541.18 

596.51 

654.22 

21 

437.13 

487.98 

541.02 

596.34 

654.67 

22 

436.93 

487.79 

540.83 

596.17 

653.90 

2:? 

43(5.74 

487.60 

540.65 

596.00 

653.75 

24 

436.53 

487.39 

540.45 

595.80 

653.56 

25 

436.32 

487,19 

540.25 

595.61 

653.37 

20 

436.12 

486.99 

540.05 

595.42 

653.20 

27 

435.90 

486.77 

539.83 

595.19 

652.97 

28 

435.68 

486.5-4 

539.60 

594.97 

652.75 

29 

435.45 

486.32 

539.38 

594.74 

652.53 

?.o 

435.21 

486.08 

539.13 

594.49 

652.30 

31 

434.99 

485.85 

538.91 

594.27 

652.07 

32 

434.76 

485.61 

538.66 

594.02 

651.82 

33 

434.55 

485.40 

538.44 

593.79 

651.58 

34 

434.36 

485.19 

538.23 

593.57 

651.34 

35 

434.18 

485.01 

538.02 

593.34 

651.10 

36 

434.02 

484.81 

537.80 

593.09 

650.82 

37 

433.89 

484.67 

537.62 

592.86 

650.53 

38 

433.79 

484.53 

537.42 

592.60 

650.22 

39 

433 . 7U 

484.38 

537.20 

592.31 

649.88 

40 

433.62 

484.23 

536.98 

592.01 

649.51 

41 

433.52 

484.06 

536.72 

591.67 

649.09 

42 

433.43 

483.88 

536.45 

591.29 

648.63 

43 

433.33 

483.68 

536.16 

590.87 

648.11 

44 

433.21 

483.45 

535.78 

590.40 

647.53 

45 

433.06 

483.18 

535.37 

589.86 

646.88 

46 

432.89 

482.89 

534.94 

589.27 

646.16 

47 

432.74 

482.56 

534.45 

588.63 

645.38 

48 

432.56 

482.20 

533.91 

587.91 

644.50 

49 

432.39 

481.85 

533.34 

587.14 

643.56 

50 

432.22 

481.47 

532.74 

586.31 

642.54 

51 

432.08 

481.09 

532.12 

585.45 

641.45 

52 

431.97 

480.74 

531.49 

584.53 

640.28 

53 

431.92 

480.41 

530.85 

583.58 

639.04 

54 

431.92 

480.09 

530.18 

582.56 

637.70 

-55 

431.97 

479.79 

529.50 

581.48 

636.24 

ir 


.MODIFIED  rUELLMIXAKV  TEKM. 


Am.   ■ 
Ex.    - 

Ji% 

^lE 

AX  in:sr: 

in'ES. 

^ 

ENDOWMENT  IX 

1>()  VE 

AKS. 

Ase. 

16tU  Year. 

17th   \*nr. 

ISdl      V.1I1-. 

tOtU  Year. 

20t1i  Yeor. 

20 

714.44 

777.30 

842. 1>4 

911.48 

983.10 

L'l 

714.32 

777.21 

842.86 

911.44 

983.10 

O'l 

714.1(5 

777.07 

842. 7S 

911.38 

983.10 

2.". 

714.03 

770.90 

842.00 

911.30 

983.10 

21 

713.84 

776.79 

842.55 

911.26 

983.10 

2ri 

713.07 

776.04 

842.43 

911.18 

983.10 

2('. 

713.50 

770.49 

842.32 

911.13 

983.10 

27 

713.30 

770.33 

842.19 

911.05 

983.10 

2S 

713.09 

770.15 

842.03 

910.95 

983.10 

2!l 

712.81) 

775.97 

841.89 

910.87 

983.10 

.".(1 

7 12.. 58 

775 . 70 

841.73 

910.77 

983.10 

:n 

712.45 

775.5(1 

841.57 

910.67 

983.10 

;;2 

712.20 

775.33 

841.37 

910.54 

983.10 

711.90 

775 . 10 

841.18 

910.42 

983.10 

VA 

711.71 

774.85 

840.97 

910.29 

983.10 

af) 

711 . 4.") 

774.59 

840.74 

910.14 

983.10 

:m\ 

711.1.5 

774.29 

840.47 

909.96 

983.10 

;>7 

710.83 

773.98 

840.20 

909.79 

983.10 

as 

710.49 

773.62 

839.89 

909.59 

983.10 

ay 

710.11 

773.25 

839.54 

909.36 

983.10 

40 

709.69 

772.80 

839.10 

909.11 

983.10 

41 

709.22 

772.32 

838.73 

908.83 

983.10 

42 

708.70 

771.79 

838.20 

908.53 

983.10 

4.a 

708.12 

771.20 

837.74 

908.19 

983.10 

44 

707.47 

770.54 

837.10 

907.80 

983.10 

4;-) 

706.74 

709.80 

836.49 

907.38 

983.10 

40 

705.93 

768.97 

835.76 

906.89 

983.10 

47 

705.05 

708.06 

834.95 

906.36 

983.10 

4S 

704.07 

767.06 

834.06 

905.77 

983.10 

40 

703.01 

765.07 

833.08 

905.72 

983.10 

no 

701.84 

764.76 

832.00 

904.41 

983.10 

HI 

700.. 59 

763.46 

830.81 

903.61 

983.10 

099.23 

762.03 

829.51 

902.74 

983.10 

53 

697.77 

700.48 

828.09 

901.78 

983.10 

r.4 

690.18 

7.58.78 

826.53 

900.72 

983.10 

r.5 

694.42 

756.90 

824.78 

899.55 

983.10 

118 


MODIFIED  PRELIMINARY  TERM. 


Am.  ■ 
Ex.    - 

ii% 

MEAN  RESERVES. 

1 

ENDOWMENT  IN  15  YEARS. 

Age. 

1st  Year. 

2d  Year. 

3d  Year. 

4tli  Year. 

Bth  Year. 

20 

45. 8S 

96.14 

148.53 

203.14 

260.07 

21 

45.64 

95.91 

148.30 

202.91 

259.85 

22 

4.->.40 

95.67 

148.07 

202.70 

259.64 

23 

45.14 

95.42 

147.82 

202.45 

259.39 

24 

44.87 

95.15 

147.56 

202.19 

259.15 

2r, 

44.59 

94.88 

147.30 

201.94 

2.58.90 

2G 

4'i.30 

94.59 

147.01 

201.66 

258.62 

27 

44.00 

94.30 

146.72 

201.37 

258.36 

28 

43.68 

93.98 

146.41 

201.08 

258.07 

29 

43.34 

93.66 

146.11 

200.77 

257.77 

SO 

43.00 

93.33 

145.79 

200.46 

257.45 

ni 

42.63 

92.97 

145.44 

200.12 

257.13 

32 

42.24 

92.60 

145.07 

199.77 

2.56.79 

33 

41.86 

92.22 

144.71 

199.42 

2.56.44 

34 

41.44 

91.83 

144.34 

199.06 

256.09 

35 

41.01 

91.42 

143.94 

198.66 

255.70 

30 

40.r.(; 

90.98 

143.52 

198.26 

2.55.30 

37 

40.09 

90.55 

143.10 

197.84 

2.54.90 

38 

39.62 

90.09 

142.66 

197.43 

254.50 

39 

39.12 

89.62 

142.22 

197.01 

254.09 

40 

38.61 

89.16 

141.76 

196.59 

253.70 

41 

38.08 

88.66 

141.33 

196.17 

253.29 

42 

37.54 

88.18 

140.89 

195.76 

252.89 

43 

36.98 

87.69 

140.43 

195.35 

252.49 

44 

36.42 

87.19 

140.00 

194.93 

252.09 

45 

35.84 

86.68 

139.54 

194.50 

251.65 

46 

35.27 

86.18 

139.01 

194.04 

251.19 

47 

34.69 

85.68 

138.51 

193.58 

250.68 

48 

34.12 

85.19 

138.14 

193.09 

250.16 

49 

33.57 

84.68 

137.65 

192.58 

249.59 

50 

33.02 

84.18 

137.16 

192.07 

249.02 

51 

32.49 

83.69 

136.68 

191.55 

248.42 

52 

31.98 

83.22 

136.20 

191.03 

247.81 

53 

31.48 

82.77 

135.74 

190.51 

247.19 

54 

31.02 

82.34 

135.30 

190.00 

246.58 

55 

30.59 

81.95 

134.88 

189.50 

245.95 

56 

30.21 

81.57 

134.50 

189.04 

245.35 

57 

29.87 

81.28 

134.16 

188.61 

244.75 

58 

29.59 

81.06 

133.90 

188.23 

244.19 

59 

29.38 

80.88 

133.68 

187.89 

243.67 

60 

29.25 

80.80 

133.54 

187.61 

243.17 

Ill) 
MODIFIED  PRELIMINARY  TER:\r. 


Am.  ■ 
Ex.    - 

m 

MEAN  RESERVES. 

^ 

ENDOW^IENT  IN  15  YEARS. 

Afire. 

Cth  Year. 

7tfc  Year. 

Sth  Year. 

9th  Year. 

10th  Year. 

2(1 

319.44 

381.33 

445.88 

513.20 

583.42 

21 

319.22 

381.12 

445.68 

513.02 

583.26 

22 

319.00 

380.92 

445.50 

512.84 

58;?.  09 

23 

318.77 

380.70 

445.27 

512.62 

582.90 

24 

318.55 

380.46 

445.06 

512.42 

582.71 

25 

318.30 

380.24 

444.84 

512.21 

582.51 

26 

318.02 

380.00 

444.59 

511.97 

582.29 

27 

317.77 

379.72 

444.34 

511.75 

582.09 

28 

317.48 

379.43 

444.06 

511.49 

581.85 

29 

317.19 

379.15 

443.79 

511.22 

581.59 

:m 

316.89 

378.87 

443.51 

510.96 

581.34 

31 

316.. 57 

378.55 

443.21 

510.66 

581.0(5 

32 

316.23 

378.22 

442.88 

510.35 

580.77 

33 

315.90 

377.89 

442.56 

510.02 

580.46 

34 

315.54 

377.55 

442.22 

509.71 

580.16 

35 

315.17 

377.17 

441.85 

509.35 

579.81 

36 

314.77 

376.78 

441.46 

508.97 

579.45 

37 

314.38 

376.40 

441.09 

508.61 

579.11 

38 

313.98 

376.01 

440.71 

508.22 

578.71 

39 

313.59 

375.62 

440.32 

507.83 

578.33 

40 

313.23 

375.22 

4.39.91 

507.42 

577.92 

41 

312.80 

374.82 

439.50 

506.99 

577.46 

42 

312.40 

374.41 

439.07 

506.52 

576.96 

43 

312.00 

373.99 

438.61 

506.02 

576.43 

44 

311.58 

373.52 

438.09 

505.45 

575.82 

45 

311.11 

373.00 

437.51 

504.81 

575.14 

46 

310.02 

372.43 

436.83 

504.10 

574.36 

47 

310.04 

371.81 

436.17 

503.33 

573.52 

48 

309.45 

371.14 

435.41 

502.49 

572.64 

49 

308.83 

370.43 

434.58 

501.. 55 

571.62 

50 

308.15 

369.64 

4.33.69 

500.55 

570.. "3 

51 

307.45 

368.81 

432.72 

499.46 

569.34 

52 

306.72 

367.94 

431 . 71 

498.29 

568.04 

53 

305.97 

367.03 

430.62 

497.04 

566.65 

54 

305.20 

366.08 

429.47 

495.69 

565.14 

55 

304.41 

365.09 

428.25 

494.26 

56;?.. 53 

56 

303.61 

364.06 

426.97 

492.73 

561.79 

57 

302.80 

363.00 

425.64 

491.13 

559.94 

58 

302.00 

361.91 

424.24 

489.41 

557.94 

59 

301.22 

360.81 

422.78 

487.59 

555.80 

m 

300.42 

3.59.66 

421.23 

485.62 

553.45 

120 


Am. 
Ex. 


31% 


:\IODIFIED  PRELIMINAIIY  TEEM. 

MEAX  IIESEKYES. 

ENDOWMEXT  IX  15  YEARS. 


Agre. 

Htli  Year. 

lllih  Vcnr. 

13tl»  Year. 

l^tb  Year. 

IStli  Year. 

20 

056. GO 

733.13 

812.90 

896.18 

983.10 

21 

G.jO.54 

733.01 

812.81 

896.12 

983.10 

22 

6.10.30 

732.89 

812.73 

896.08 

983.10 

2u 

6.')6 .  22 

732.74 

812.62 

896.02 

983.10 

24 

Gr.(;.o5 

732.60 

812.51 

895.94 

983.10 

25 

655.88 

732.46 

812.41 

895.90 

983.10 

2G 

655.68 

732.28 

812.27 

895.81 

983.10 

27 

655.50 

732.13 

812.16 

895.75 

983.10 

2S 

6.")5.28 

731.94 

812.00 

895.66 

983.10 

20 

655.05 

731 . 75 

811.86 

895.56 

983.10 

30 

654 . 82 

731.55 

811.70 

895 . 47 

983.10 

31 

6.54.55 

731.32 

811.53 

805.38 

983.10 

32 

654.29 

731.09 

811.35 

895.27 

983.10 

33 

654.02 

730.85 

811.17 

895.16 

983.10 

34 

6.53.73 

730.61 

810.98 

895.07. 

983.10 

3o 

653.41 

730.33 

810.75 

804.92 

983.10 

30 

653.06 

.730 .  01 

810.50 

SJJ4.76 

983.10 

37 

652.74 

729.71 

810.26 

804.63 

983.10 

38 

652.37 

729.38 

809.98 

804.45 

983.10 

39 

651.90 

729.02 

809.68 

804 . 26 

983.10 

40 

651.50 

728.64 

809.36 

894.07 

983.10 

41 

651.11 

728.19 

808.99 

803.82 

983.10 

42 

650.60 

727.71 

808.58 

893.54 

983.10 

43 

650.06. 

727.20 

808.14 

893.29 

983.10 

44 

649.43 

726.60 

807.65 

802.99 

983.10 

4.") 

648.74 

725.93 

807.08 

802.63 

983.10 

40 

647.97 

725.17 

806.44 

802.21 

983.10 

47 

647.10 

724.35 

805.75 

801.79 

983.10 

48 

646 . 10 

723.46 

805.00 

891.32 

983.10 

40 

645.12 

722.45 

804.13 

890.76 

983.10 

50 

643.98 

721.36 

803.20 

890.17 

083.10 

51 

642.73 

720.14 

802.16 

889.51 

983.10 

52 

641.38 

718.83 

801.03 

888.78 

983.10 

53 

639.91 

717. 3f) 

799.79 

887.99 

983.10 

54 

638.31 

715.82 

798.43 

887.11 

983.10 

55 

636.59 

714.10 

796.94 

886.15 

983.10 

56 

634.72 

712.25 

795.30 

885.08 

983.10 

57 

632.70 

710.22 

793.52 

883.91 

983.10 

58 

630.51 

708.01 

701.55 

882.62 

983.10 

59 

628.14 

705.59 

789.40 

881.20 

983.10 

GO 

625.53 

702.91 

787.00 

879.62 

983.10 

I'Jl 


^'i'm 


:\r()l)TFlEl)  rRELBlIXAliV  TVAtM. 

MEAX  IlESEin  ES. 

ENDOWMENT  IN  10  YEAK^. 


Asre. 

1st  Year. 

2d  Yon. 

20 

78.63 

163.05 

21 

78.40 

162.84 

22 

78.10 

162.60 

2:3 

77.01 

162.36 

24 

77.04 

162.10 

2"- 

77.36 

161.84 

20 

77.00 

161.55 

27 

76 .  76 

161.26 

28 

76 .  45 

160.05 

29 

76.11 

160.63 

30 

75.76 

160.29 

31 

75.39 

159.94 

32 

75.00 

159.56 

33 

74.61 

1.59.17 

34 

74.18 

158.77 

35 

73.74 

158.34 

30 

73.29 

157.90 

37 

72.80 

157.43 

3S 

72.30 

156.94 

30 

71.78 

156.42 

40 

71.23 

155.89 

41 

70.67 

155.33 

42 

70.08 

154.76 

43 

69.46 

154.16 

44 

68.84 

153.55 

45 

68.19 

152.90 

4(; 

67.fT4 

152.27 

47 

66.87 

151.59 

48 

66.19 

150.89 

49 

65.53 

150.18 

50 

64.84 

149.43 

51 

64.17 

148.67 

52 

63.49 

147.90 

53 

62.81 

147.09 

54 

62.14 

146.28 

55 

61.47 

145.43 

56 

60.82 

144.59 

57 

60.18 

143.72 

58 

59.57 

142.85 

59 

58.99 

141.98 

GO 

58.42 

141.11 

b' 

;;<1  Vt-air. 

4(li  V<ar. 

Ctb  Year. 

251.10 

342.90 

438.65 

250.88 

342.69 

438.16 

250.06 

342., 50 

438.27 

250.43 

342.28 

438.08 

250.18 

342.05 

437.87 

249.93 

341.80 

437.65 

249.66 

341 . 56 

437.42 

249.38 

341.29 

437.17 

249.08 

341.02 

436.92 

248.78 

340.73 

436.65 

248.46 

340.43 

436.37 

248.12 

340.10 

436.08 

247.76 

339.76 

435.76 

247.39 

339.42 

435.44 

247.00 

339.05 

435.10 

246.59 

338.65 

434.72 

246.15 

338.23 

434.32 

245.69 

337.79 

433.91 

245.22 

337.33 

433.49 

244.71 

336.84 

433.01 

244.19 

336.34 

432.54 

243.66 

335.82 

432.04 

243.09 

335.27 

431.51 

242.51 

334.70 

430.95 

241.90 

334.10 

430.36 

241.26 

333.46 

429.72 

240.62 

332.79 

429.04 

239.91 

332.06 

428.28 

239.17 

331.27 

427.47 

238.40 

330.44 

426.58 

237.58 

329.54 

425.63 

236.72 

328.59 

424.61 

235.84 

327.60 

423.53 

234.89 

326.52 

422.34 

233.92 

325.39 

421.09 

2.32.89 

po 

324.19 

419.73 

231.83 

322.92 

418.27 

230.73 

';',/! 

321.58 

416.75 

229.58 

320.17 

415.10 

228.39 

318.67 

413.34 

227.17 

317.09 

411.46 

vvi>v 

•  - 

^v^>^ 

3 

175.VI 

,M 

.-M' 

^ 

122 

3,         MODIFIED  PRELIMINARY  TERM. 
'%  MEAN  RESERVES. 

ENDOWMENT  IN  10  YEARS. 


Age. 

Ctli  Year. 

7tli  Year. 

8tU  Year. 

9th  Year. 

lOtli  Year. 

20 

53S.r)i 

642.68 

751.37 

864.76 

983.09 

2] 

538.34 

642.54 

751.26 

864.71 

983.09 

22 

538.17 

642.40 

751.16 

864.65 

983.09 

2;; 

538.00 

642.26 

751.05 

864.56 

983.09 

24 

537 . 82 

642.11 

750.95 

864.53 

983.09 

25 

537. G3 

641.96 

750.83 

864.46 

983.09 

20 

537.42 

641.78 

750.70 

864.38 

983.09 

27 

537 . 21 

641.60 

750.56 

864.33 

983.09 

2S 

53G.98 

641.41 

750.42 

864.23 

983.09 

20 

536.75 

641.22 

750.27 

864.16 

983.09 

30 

536.50 

641.01 

750.12 

864.06 

983.09 

31 

536.24 

640.79 

749.95 

863.97 

983.09 

32 

535.96 

640.55 

749.77 

803.87 

983.09 

33 

535.66 

640.29 

749.58 

863.75 

983.09 

34 

535.35 

640.03 

749.38 

863.64 

983.09 

3r. 

535.02  . 

639.75 

749.16 

863.51 

983.09 

30 

534.65 

639.43 

748.91 

863.37 

983.09 

37 

534.27 

639.11 

748.66 

863.23 

983.09 

3S 

533.89 

633.78 

748.42 

863.08 

983.09 

30 

533.44 

638.39 

748.10 

802.88 

983.09 

40 

533.01 

638.01 

747.80 

802.71 

983.09 

4J 

532.55 

637.61 

747.49 

802.53 

983.09 

42 

532.04 

637.15 

747.12 

802.30 

983.09 

4?, 

531.52 

636.67 

746.73 

862.06 

983.09 

44 

530.95 

636.15 

746.29 

861.79 

983.09 

4o 

530.32 

635.56 

745.81 

861.48 

983.09 

4(i 

529.64 

634.93 

745.29 

861.16 

983.09 

47 

528.89 

634.22 

744.69 

860.79 

983.09 

4>^ 

528.07 

633.45 

744.05 

860.39 

983.09 

49 

527.17 

632.61 

743.35 

859.95 

983.09 

50 

526.20 

631.68 

742.56 

859.46 

983.09 

51 

524.69 

630.67 

741.71 

858.92 

983.09 

r.-> 

524.02 

629.59 

740.80 

858.35 

983.09 

5:; 

522.79 

628.39 

739.77 

857.70 

983.09 

54 

521.47 

627.09 

738.66 

856.99 

983.09 

55 

520.03 

625.69 

737.43 

856.20 

983.09 

5G 

518.50 

624.17 

736.12 

855.35 

983.09 

57 

516.82 

622.50 

734.66 

854.40 

983.09 

58 

515.02 

620.70 

7.33.08 

853.38 

983.09 

59 

513.08 

018.74 

731.36 

852.25 

983.09 

(iO 

511.00 

616.02 

729.47 

851.00 

983.09 

Actuaries' 

4% 

MODIFIED  PRELIMINARY  TERM. 
MEAN  and  TERMINAL  RESERVES. 


:25 


4% 


MODIFIED  PRELIMINARY  TERM. 

TERMINAL  RESERVES. 

LIFE  PAID-UP   IN   20   YEARS. 


Age. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

21 

6.55 

20.16 

34-33 

49.06 

64.41 

22 

6.61 

20.54 

35-05 

50.15 

65-87 

^Z 

6.66 

20.94 

35-80 

51.27 

67-37 

.24    . 

^Jl 

21.34 

36.57 

52.41 

68.91 

25 

6.76 

21-75 

37-35 

53-58 

70.48 

26 

6.80 

22.18 

38.17 

54-79 

72.10 

27 

6.84 

22.60 

38.98 

56-03 

73-76 

28 

6.88 

23.03 

39-83 

57-30 

7546 

29 

6.91 

23.48 

40.69 

58.60 

77.22 

30 

6.94 

23-93 

41-57 

59-93 

79-03 

31 

6.97 

24.38 

42.49 

61.32 

80.90 

32 

6.98 

24.86 

43-43 

62.75 

82.84 

33 

7.00 

25-34 

44-40 

64.23 

84-87 

34 

7.00 

25-83 

.  45-42 

65.78 

86.97 

35 

7-00 

26.34 

46.47 

67-39 

89.16 

36 

6.99 

26.89 

47-56 

69.07 

91-45 

'37 

6.98 

27-42 

48.70 

70.83 

93-85 

38 

6.95 

28.00 

49-90 

72.66 

96-35 

39 

6.92 

28.60 

51-15 

74.58 

98.91 

40 

6.88 

29.23 

52.44 

76-53 

101.45 

41 

6.83 

29.85 

53-74 

78-43 

103-95 

42 

6.76 

30.46 

54-97 

80.28 

106.35 

43 

6.69 

31.04 

56.15 

82.01 

108.65 

44 

6.61 

31-58 

57-27 

83-70 

110.89 

45 

6.51 

32.06 

58.32 

85-32 

113.10 

46 

6.40 

32.53 

59-37 

86.96 

115.29 

47 

6.27 

32.99 

60.43 

88.59 

117.48 

48 

6.13 

33-46 

61.47 

90.19 

119.64 

49 

5-97 

33-90 

62.49 

91.78 

121.77 

50 

5-79 

34.32 

63-50 

93-34 

123.89 

51 

5.60 

34-74 

64-49 

94.91 

126.00 

52 

540 

35-13 

65-49 

96.48 

128.12 

53 

5-i8 

35-54 

66.49 

98.04 

130-25 

54 

4-95 

35-93 

67-48 

99-63 

132.39 

55 

4.70 

36.32 

68.49 

101.23 

134-55 

126 

m  ^  MODIFIED  PRELIMINARY  TERM. 

gkyVr\  TERMINAL   RESERVES. 

■^  /^  LIFE   PAID-UP   IN   20   YEARS. 
Actuaries' 


Age. 

6  Years. 

7  Years. 

8  Years. 

9  Years. 

10  Years. 

21 

80.40 

97.04 

114.38 

132.43 

151.24 

22 

82.23 

99.27 

1 17.01 

135.50 

154-74 

23 

84.12 

101.57 

119.74 

138.65 

158.35 

24 

86.06 

103.93 

122.53 

141.89 

162.07 

^\ 

88.05 

106.35 

125.40 

145-23 

165.89 

26 

90.10 

108.84 

128.35 

148.67 

169.83 

27 

92.20 

1 1 1.39 

131-39 

152.20 

173-88 

28 

94.36 

114.04 

134.52 

155-85 

178.09 

29 

96.60 

116.77 

137.76 

159-64 

182.44 

30 

98.89 

119-57 

141. 12 

163.55 

186.94 

31 

101.28 

122.50 

144.59 

167.62 

191.62 

32 

10377 

125-53 

148.21 

171.85 

196.48 

33 

106.33 

128.69 

151.98 

176.24 

201.53 

34 

109.03 

131-99 

155.90 

180.82 

206.72 

35 

1 1 1.82 

135-42 

159.99 

185.53 

212.04 

36 

114.76 

'^^•?o 

164.19 

190.33 

217.42 

37 

117.80 

142.68 

168.46 

195.18 

222.82 

38 

120.93 

146.40 

172.78 

200.04 

228.23 

39 

124.08 

150.15 

177.06 

204.87 

233.60 

40 

127.22 

153-83 

181.29 

209.64 

238.94 

41 

130.27 

157-43 

185.43 

214.35 

244.21 

42 

133.22 

160.92 

189.49 

218.97 

249-39 

43 

136.08 

164.35 

193-47 

223.49 

254.46 

44 

138.89 

167.72 

197.39 

227.96 

259.46 

45 

141.65 

171.02 

201.24 

232.34 

264.42 

46 

144.40 

174.31 

205.06 

236.70 

269.31 

47 

147-12 

177.57 

208.85 

241.04 

274-15 

48 

149-82 

180.81 

212.62 

245.30 

278.96 

49 

152.50 

184.01 

216.34 

249.55 

283.72 

50 

155-16 

187.19 

220.04 

^^},-17 

288.43 

51 

157.80 

190.36 

223.73 

257-94 

293-04 

52 

160.46 

193.54 

22^.1^) 

262.03 

297-55 

53 

163-13 

196.71 

231.00 

266.05 

301.93 

54 

16S.80 

199.82 

234-53 

269.93 

306.15 

55 

168.42 

202.88 

^37-95 

273.69 

310.19 

127 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

TERMINAL   RESERVES. 

LIFE   PAID-UP   IN    20   YEARS. 


Age.  II  Years.  12  Years. 

21  170.84  191.26 

22  174.80  195-69 

23  178.87  200.27 

24  183.09  205.00 

25  187.41  209.84 

26  191.88  214.88 

2'J  196.49  220.07 

28  201.26  225.42 

29  206.20  230.99 

30  211.32  236.75 

31  216.63  242.72 

32  222.15  248.87 

33  227.83  255.15 

34  233.63  261.55 

35  239.53  268.02 

36  245.46  274.50 

37  251.42  281.02 

38  257.37  287.56 

39  ^^l.-'h'h  294.08 

40  269.23  300.55 

41  275.05  306.95 

42  280.79  313-25 

43  286.42  319-44 

44  291.99  325.59 

45  297.49  331-64 

46  302.91  337.64 

47  308.31  343-58 

48  313-64  349-45 

49  318.92  355-20 

50  324.08  360.81 

51  329-11  366.25 

52  334-00  371-52 

53  338-74  376-57 

54  343-25  381-40 

55  347-58  385-94 


13  Years. 

14  Years. 

15  Years. 

212.54 

234-74 

257.90 

217.48 

240.21 

263.91 

222.58 

245-85 

270.13 

227.84 

251.67 

276.54 

233.27 

257.67 

283.16 

238.87 

263.89 

290.02 

244.64 

270.31 

297.09 

250.63 

276.95 

304.40 

256.85 

283.83 

311-95 

263.27 

290.90 

319-65 

269.89 

298.14 

327-52 

276.65 

305-52 

335-49 

283-55 

312.99 

34356 

290.51 

320.54 

351-72 

297-55 

328.16 

359-96 

304.60 

335-83 

368.23 

311-73 

343-53 

376-54 

318.83 

351-23 

384.86 

325-93 

358.93 

393-17 

332-97 

366.57 

401.44 

339-95 

374-16 

409.67 

346.84 

381.66 

417.80 

353-63 

389-05 

425.86 

360.35 

396.40 

433-85 

366.99 

403-64 

441.74 

373-57 

410.82 

449-51 

380.08 

417-88 

457-15 

386.45 

424-79 

464.61 

392.68 

431-51 

471.87 

398.74 

438.04 

478.90 

404.61 

444.33 

485-67 

410.24 

450.36 

492.14 

415-65 

456.10 

498.27 

420.73 

461.51 

504.07 

425-53 

466.58 

509-49 

[28 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

TERMINAL   RESERVES. 

LIFE  PAID-UP  IN  20  YEARS. 


Age. 

21 

2.2 

23 

24 

25 
26 
27 
28 
29 
30 
31 

33 
34 
35 
36 
37 
38 
39 
40 

41 
42 

43  • 

44 

45 

46 

47 

48 

49 

50 

51 

52 

53 

54 

55 


16  Years. 

282.06 

288.66 

29547 
302.51 
309.77 
31730 
325.06 
333-04 
341-23 
349-57 
358.04 
366.65 
375-32 
384.11 
392.98 
401.88 
410.83 
419.80 
428.76 
437-70 
446.59 
455-40 
464.16 
472.84 
481.39 
489.81 
498.08 
506.14 
513-98 
521.59 
528.89 
535-86 
542.50 
548.78 
554-66 


17  Years. 
307.29 
314-49 
321-94 
329-^3 
337-58 
345-80 
354-22 
362.88 

371-71 
380.68 

389.78 
399.02 
408.36 
417-79 
427-33 
436.88 
446.51 
456.16 
465.82 
475-45 
485-07 
494.62 
504.12 
513-52 
522.79 
531-92 
540.89 
549.64 

558.17 
566.41 

574-36 
581.99 
589.27 
596.18 
602.69 


18  Years. 

333-64 
341.48 
349.60 

357-97 
366.62 

375-53 
384.64 
393-94 
403-43 
413.06 
422.81 

432.73 
442.74 
452.87 
463.08 

473-34 
483.68 
494.07 
504.46 

514.87 
525.27 
535-63 
545-91 
556.11 
566.18 
576.11 
585-88 
595-44 
604.74 
613.80 
622.56 
631.03 
639.16 
646.93 
654.31 


19  Years. 

361.17 
369.69 

378.50 
387.60 

396-94 
406.53 
416.32 
426.30 
436.46 
446.75 
457-23 
467.84 
478-56 
489.41 
500.36 

511-39 
522.50 
533-66 
544.88 
556.13 
567-40 
578.61 
589.78 
600.87 
611.86 
622.70 
633.43 
64393 
654.22 
664.29 
674.11 
683.67 
692.93 
701.88 
710.49 


20  Years. 

389-96 
399.18 
408.71 
418.52 

428.57 
438.86 

449-35 
460.02 
470.88 
481.91 

493-11 
504-46 
515-95 
527-57 
539-31 
551-16 
563.10 
575-14 
587-26 

599-43 
611.63 
623.83 
636.00 
648.12 
660.17 
672.12 
683.97 

695.65 
707.19 

718.57 
729.76 

740.77 
751.57 
762.15 
77250 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

TERMINAL  RESERVES. 

LIFE  PAID-UP  IN   15   YEARS. 


[29 


Age. 

21 
22 

^3 
24 

25 
26 

27 

28 

29 

30 

31 

Z^ 

2>Z     ■ 

34 

35 

36 

37 

38 

39 

40 

41 
42 

43 
44 
45 
46 

47 
48 

49 
50 
51 
52 
53 
54 
55 
56 
57 
58 
59 
60 


Year. 

10.77 
10.90 
11.03 
II. 17 
11.30 
11-43 
11-57 
11.70 
11.83 

11-95 
12.07 
12.19 
12.31 
12.42 
12.52 
12.61 
12.70 
12.79 
12.86 
12.93 
12.99 
13.04 
13.07 
13.10 
13.11 
13.10 
13.06 
13.01 
12.93 
12.83 
12.70 
12.54 
12.36 
12.14 
11.89 
11.62 
11.31 
10.97 
10.60 
10.21 


2  Years. 

28.79 

29-33 
29.90 

30-47 
31.06 
31.66 
32.27 
32.90 
33-54 
34-19 
34.85 
35-53 
36.23 

36.93' 

37-65 

38-41 

39-17 

3996 

40.79 

41.64 

42.50 

43.33 
44.14 
44.90 
45.61 
46.30 
46.96 
47.62 
48.23 
48.80 
49-35 
49-85 
50.34 
50.78 
51.18 
51-58 

51.93 
52.24 

52-45 
52.61 


3  Years. 

47-58 
48.56 
49.56 
50.59 
51.65 
52.75 
53.85 
55-00 
56.16 
57-35 
58.58 
59.85 
61.14 
62.48 
63.86 
65.30 
66.77 
68.31 
69.91 

71.55 
73.20 

74-79 
76-33 
77.81 
79.21 
80.60 
81.98 
83-33 
84.63 
85.89 
87.09 
88.28 
89.42 
90.50 

91-57 
92.61 

93-59 
94-45 
95.20 

95.85 


4  Years. 

67.17 
68.60 
70.07 

71-57 
73.12 
74.72 
76.35 
78.03 
79-74 
81.50 
8332 
85-19 
87.11 
89.12 
91.18 
93.32 
95-55 
97.86 
100.26 
102.69 
105.08 

107-43 
109.67 
1 11.86 

113-97 
116.09 
118.17 
120,21 
122.20 
124.13 
126.03 
127.87 
129.66 
131.40 
133-11 
134-77 
136.31 
137.70 

138-94 
140.03 


5  Years. 

87.60 

89-50 

91-45 

93-46 

95-51 

97-63 

99.80 

102.03 

104.32 

106.68 

109.11 

111.61 

114.22 

1 16.90 

119.68 

122.57 

125-57 
128.68 
131.86 
135.04 
138.18 
141.24 
144.21 
147.11 
149.97 
152.79 
155-59 
158.34 
161.02 
163.64 
166.21 
168.72 
171. 17 
173.57 
175-91 
178.13 
180.21 
182.08 
183.76 
185.26 


130 


4% 


MODIFIED  PRELIMINARY  TERM. 

TERMINAL  RESERVES. 

LIFE  PAID-UP  IN  15  YEARS. 


Actuaries' 

Age. 

6  Years. 

7  Years. 

8  Years. 

9  Years. 

10  Years. 

21 

108.93 

Ui-iJ 

154.37 

178.59 

203.87 

22 

1 1 1.30 

134-05 

157.78 

182.55 

208.40 

2i 

113-75 

137.02 

161.29 

186.62 

213.06 

24 

116.26 

140.06 

164.89 

190.81 

217.85 

25 

118.85 

143.20 

168.61 

195.12 

222.81 

26 

121.52 

146.43 

172.43 

199-57 

227.90 

27 

124.25 

149-75 

176.37 

204.15 

233-15 

28 

127.06 

153-18 

180.43 

208.88 

238.60 

29 

129.96 

156.70 

184.61 

213.76 

244.20 

30 

132.94 

160.33 

188.93 

218.79 

250.00 

31 

136.01 

164.08 

193-38 

224.01 

255.98 

2>2 

139.20 

167.96 

198.00 

229.40 

262.19 

?,2> 

142.48 

171.98 

202.79 

234.97 

268.60 

34 

145.90 

176.15 

207.74 

240.75 

275-19 

35 

149.41 

180.46 

212.87 

246.68 

281.92 

36 

153-10 

184.95 

218.14 

252.74 

288.77 

2>7 

156.89 

189.53 

223.50 

258.88 

295.67 

38 

160.78 

194-18 

228.93 

265.06 

302.63 

39 

164.71 

198.88 

234.36 

271.24 

309.59 

40 

168.65 

203.54 

239.77 

277.41 

316.59 

41 

172.51 

208.13 

245.11 

283.56 

323.55 

42 

176.29 

212.65 

250.41 

289.66 

330.48 

43 

179.99 

217.12 

255.65 

295.69 

337.35 

44 

183.65 

221.53 

260.84 

30 1 .69 

344.17 

45 

187.24 

225.88 

265.96 

307.61 

350.97 

46 

190.81 

230.18 

271.04 

313.50 

357.70 

47 

194-31 

234-43 

276.06 

319-34 

364.37 

48 

197.77 

238.64 

281.03 

325.08 

370.98 

49 

201.17 

242.75 

285.90 

330.76 

377.52 

50 

204.49 

246.80 

290.70 

336.35 

38393 

51 

207.73 

250.76 

295.41 

341-84 

390.21 

52 

210.94 

254.67 

300.03 

347-^7 

396.33 

53 

214.08 

258.48 

304.51 

352-35 

402.25 

54 

217.12 

262.14 

308.81 

357-30 

407.91 

55 

220.04 

265.65 

312.90 

362.02 

413.31 

56 

222.82 

268.96 

316.76 

366.48 

418.41 

57 

225.39 

272.04 

320.36 

370.61 

423.14 

58 

227.74 

274.84 

32363 

374.36 

427.47 

59 

229.84 

277.36 

326.53 

?>77-7^ 

431-36 

60 

231.71 

270.55 

329.08 

380.60 

434.85 

KV 


4% 


MODIFIED  PRELIMINARY  TERM. 

TERMINAL  RESERVES. 

LIFE  PAID-UP  IN  15  YEARS. 


Actuaries' 

Age. 

II  Years. 

12  Years. 

13  Years. 

14  Years. 

15  Years. 

21 

230.27 

257-83 

286.62 

316.71 

348.17 

22 

235-39 

263.57 

293.03 

323-82 

355-99 

2^ 

240.66 

269.50 

299.63 

33^-'i3 

364.07 

24 

246.11 

275.62 

306.44 

338-69 

372.41 

25 

251.71 

281.90 

313-50 

346-50 

381.04 

26 

257-50 

288.43 

320.76 

354-58 

389.96 

27 

263.47 

295-15 

328.26 

362.91 

399-18 

28 

269.65 

302.10 

336.04 

371-56 

408.71 

29 

276.02 

309.28 

344.07 

380.46 

418.52 

30 

282.60 

316.70 

352.36 

389-63 

428.57 

31 

289.41 

324-36 

360.88 

399.02 

438.86 

32 

296.46 

332-25 

369.62 

408.63 

449-35 

33 

303.71 

340.31 

378.54 

418.40 

460.02 

34 

311. 10 

348.55 

387.60 

428.33 

470.88 

35 

318.63 

356.89 

396-79 

438.40 

481.91 

36 

326.27 

365-34 

406.08 

448.64 

493-11 

37 

33398 

373-88 

415-54 

459.00 

504-46 

38 

341-73 

382.50 

425-03 

469.45 

515-95 

39 

349-53 

391.18 

434-62 

480.03 

527-57 

40 

357-37 

399-89 

444-27 

490.68 

539-31 

41 

365.18 

408.61 

453-94 

501.39 

551-16 

42 

372-99 

417-32 

463-65 

512.18 

563-10 

43 

380.74 

426.01 

473-36 

522.98 

575-14 

44 

388.46 

434-71 

483.08 

533-84 

587.26 

4| 

396.15 

443-35 

492.79 

544-72 

599-43 

46 

403-79 

451-99 

502.50 

555-62 

611.63 

47 

411.38 

460.57 

512.18 

566.47 

623.83 

48 

418.90 

469.09 

521.76 

577-27 

636.00 

49 

426.36 

477-50 

531-26 

.  587.98 

648.12 

50 

433-65 

485-77 

540.59 

598-56 

660.17 

51 

440.79 

493.84 

549-78 

609.00 

672.12 

52 

447-74 

501.76 

558-76 

619.28 

683.97 

53 

454-49 

509.41 

567-54 

629-35 

695-65 

54 

460.94 

516.81 

575-99 

639.18 

707.19 

55 

467-13 

523-88 

584.19 

648.76 

718.57 

56 

472-95 

530.60 

592.03 

658.06 

729.76 

57 

478.40 

536.96 

599-55 

667. 1 1 

740.77 

58 

483.42 

542.87 

606.65 

675-77 

751-57 

59 

488.02 

548.37 

613-35 

684.10 

762.15 

60 

492.16 

553-40 

619.59 

692.05 

772-50 

13-2 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

TERMINAL  RESERVES. 

LIFE   PAID-UP   IN    10   YEARS. 


Age. 

21 
22 
^3 
24 
25 
26 
27 
28 
29 

30 
31 
32 

33 
34 
35 
36 

37 
38 
39 
40 

41 
42 

43 
44 
45 
46 

47 
48 

49 
SO 

51 
52 
53 
54 
55 
56 
57 
58 
59 


I  Year. 

1947 
19.77 
20.07 
20.38 
20.70 
21.03 

21.35 
21.68 
22.02 
22.36 
22.71 

23-05 
23.40 

2375 
24.10 
24.44 
24.79 
25-13 
25-47 
25.82 
26.16 

26.49 
26.82 

27-15 
27.46 
27.76 
28.03 
28.28 
28.50 
28.70 
28.86 
28.99 
29.07 
29.12 
29.12 
29.07 
28.98 
28.83 
28.62 
28.36 


2  Years. 

46.62 
47-50 
48.41 
49-35 
50.31 
51-31 
52.32 
53-36 
54.43 
55-52 
56-63 
57-78 
58.96 
60.16 
61.39 
62.66 

63-95 
65.28 
66.66 
68.08 
69.51 
70.95 
72.37 
'  73-76 
75-10 
76-43 
77-72 
79.02 
80.27 
81.48 
82.65 
83.76 
84-83 
85.84 
86.78 
87.68 
88.50 
89-23 
89-83 
90-33 


3  Years. 

74-97 
76.47 
78.01 
79.61 
81.24 
82.94 
84.66 

86.45 

88.27 

90.14 

92.08 

94.06 

96.11 

98.21 

100.37 

102.60 

104.89 

107.27 

109.72 

112.24 

114.80 

-'7.31 
U'9.82 
122.28 
124.67 
127.07 
129.46 
131.82 

134.13 
136.40 

138.59 
140.76 
142.85 
14485 
146.80 
T48/.7 
150.45 
152.05 

153-49 

154.75 


4  Years. 

104.58 
106.73 
108.94 
1 1 1. 2 1 
113-56 
115-97 
118.46 
121.01 
123.63 
126.32 
129. 1 1 
131-97 
134-92 
137-98 
141. II 

144-35 
147.71 
151. 16 

154-74 
158.38 
162.03 
165.67 
169.26 
172.82 
176.32 
179.85 
183.36 
186.82 
190.24 
193.61 
196.92 
200.16 
203.33 
206.42 
209.42 
212.32 
215.06 
217.60 
219.90 
221.99 


Years. 

135-52 
138.35 
141.25 
144.24 
147-32 
150.49 
153-76 
157.12 
160.58 
164.14 
167.82 
171.60 
175-53 
179-56 
183.72 
188.03 
192.49 
197.08 
201.80 
206.55 
211.34 
216.08 
220.81 
225.52 
230.19 
234.88 
239-56 
244.21 

248.79 
253-34 
257.81 
262.22 
266.54 
270.79 
274.92 
278.90 
282.68 
286.20 
289.48 
292.48 


133 


4% 


MODIFIED  PRELIMINARY  TERM. 

TERMINAL  RESERVES. 

LIFE  PAID-UP  IN  10  YEARS. 


Acttiari 

es' 

Age. 

6  Years. 

7  Years. 

8  Years. 

9  Years. 

10  Years. 

21 

167.87 

201.67 

237.01 

273.96 

312.62 

22 

171.38 

205.92 

242.03 

279.80 

319.29 

23 

175.01 

210.31 

247.21 

285.80 

326.17 

24 

178.76 

214.82 

252.55 

292.00 

zzzv 

^1 

182.60 

219.48 

258.05 

298.39 

340.60 

26 

186.57 

224.28 

26^.72 

305.00 

348.17 

27 

190.66 

229.24 

269.60 

311.81 

355-99 

28 

194.86 

234-34 

275.63 

318.83 

364-07 

29 

199.21 

239.60 

281.85 

326.09 

372-41 

30 

203.67 

245.02 

288.29 

333-58 

381.04 

31 

208.29 

250.63 

294.94 

341-37 

389.96 

Z^ 

213.06 

256.42 

301.81 

349-37 

399.18 

33 

217.98 

262.42 

308.93 

357-65 

408.71 

34 

223.08 

268.60 

316.28 

366.23 

418.52 

35 

228.31 

274.99 

323.86 

37501 

428.57 

36 

233-74 

.   281.59 

331-63 

384.03 

438.86 

^l 

239-35 

288.37 

339-61 

393-25 

449-35 

38 

245.09 

295.26 

347-73 

402.60 

460.02 

39 

250.95 

302.31 

355-98 

412.12 

470.88 

40 

256.85 

309-38 

364.28 

421.71  - 

481.91 

41 

262.78 

316.51 

372.67 

431-48 

493-11 

42 

268.69 

Z^Z-^Z 

381. II 

441.33 

504-46 

43 

274.60 

330.82 

389-63 

451.26 

515-95 

44 

280.54 

338.05 

398.22 

461.31 

527-57 

45 

286.43 

345-24 

406.80 

471-39 

539-31 

46 

292.37 

352.48 

415-46 

481.58 

551-16 

47 

298.27 

359-70 

424.11 

491.82 

563-10 

48 

304.16 

366.94 

432.80 

502.07 

575-14 

49 

310.00 

374-12 

441.46 

512.36 

587.26 

50 

315-81 

381.29 

450.14 

522.70 

599-43 

51 

321.52 

388.39 

458.75 

532.99 

611.63 

52 

327.21 

395-45 

467.31 

543-25 

623.83 

53 

332.79 

402.41 

475-80 

553-45 

636.00 

54 

338.28 

409.24 

484.16 

563-53 

648.12 

55 

343-62 

415.93 

492.35 

573-49 

660.17 

56 

348.77 

422.38 

500.31 

583-28 

672.12 

57 

353-70 

428.63 

508.12 

592.89 

683.97 

58 

358.35 

434.58 

515.61 

602.24 

695-65 

P 

362.72 

440.24 

522.77 

611.36 

707.19 

60 

366.77 

445-53 

529.62 

620.18 

718.57 

^34 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

TERMINAL  RESERVES. 

ENDOWMENT  IN  20  YEARS. 


Age. 


23 
24 

25 
26 
27 
28 
29 
30 
31 

Z2 

33 

34 
35 
36 
2,7 
38 
39 
40 

41 
42 

43 
44 
45 
46 
47 
48 

49 
50 


I  Year. 

25-07 
24.80 

24.53 
24.24 

23-94 
23.62 
23.29 
22.94 
22.58 
22.21 
21.82 
21.42 
20.99 
20.56 
20.11 
19.64 
19.16 
18.67 
18.16 
17.63 
17.10 
16.55 
15.99 
15-42 
14-83 
14.24 

13-63 
13.01 
12.38 
11-75 


2  Years. 

58.08 
57-81 
57-54 
57-25 
56.94 
56.63 
56.29 
55-94 
55.58 
55-21 
54.82 
54.43 
54-03 
53.62 
53-21 
52.82 

52.41 
52.02 

51.65 
51.29 
50.93 
50.54 
50.12 
49.66 
49.16 
48.64 
48.12 
47.62 
47.10 
46.58 


Years. 

92.58 
92.31 
92.03 
91.74 
91.42 
91. II 
90.77 
90.41 
90.04 
89.66 
89.29 
88.91 
88.52 
88.15 
87.80 
87.46 
87.14 
86.86 
86.62 
86.40 
86.18 
85-89 
85-55 
85-14 
84.68 
84.22 
83-77 
83.33 
82.89 
82.46 


4  Years. 

128.64 
128.37 
128.09 
127.79 
127.47 
127.14 
126.79 
126.43 
126.05 
125.67 
125.29 
124.92 
124.56 
124.23 
123.91 
123.64 
123.42 
123.24 

123-13 
123.02 
122.85 
122.63 
122.30 
121.91 
121.47 
121.05 
120.63 
120.22 
119.81 
119.42 


Years. 

166.34 
166.07 
165.78 
165.48 
165.14 
164.81 

164-45 
164.06 
163.68 
163.30 
162.92 
162.56 
162.24 
161.93 
161.67 
161.46 

161.33 
161.25 
161.22 
161. 14 
161.02 
160.78 
160.44 
160.04 
159.61 
159.18 
158.76 
158.35 
157-93 
157.55 


135 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

TERMINAL  RESERVES. 

ENDOWMENT  IN  20  YEARS. 


Age. 

6  Years. 

21 

205.78 

22 

205.49 

^Z 

205.19 

24 

204.87 

25 

204.53 

26 

204.18 

27 

203.80 

28 

203.41 

29 

203.03 

30 

202.64 

31 

202.26 

32 

201.93 

zz 

201.61 

34 

201.35 

35 

201.14 

36- 

201.01 

37 

200.95 

38 

200.93 

39 

200.90 

40 

200.85 

41 

200.69 

42 

200.41 

43 

200.04 

44 

199.62 

45 

199.16 

46 

198.70 

47 

198.23 

48 

197.78 

49 

197-34 

50 

196.93 

7  Years. 

247.02 
246.73 
246.41 
246.08 
245-72 
245-36 
244.96 

244-57 
244.18 

243-78 
243.42 
243.09 
242.81 
242.58 
242.44 
242.37 
242.34 
242.32 
242.26 
242.17 
241.96 
241.62 
241.21 

240.75 
240.22 
239.69 
239.16 
238.65 
238.14 
237.66 


8  Years. 

9  Years. 

10  Years. 

290.16 

335-30 

382.56 

289.86 

335-00 

382.24 

289.54 

334-65 

381.89 

289.19 

334-31 

381-53 

288.82 

333-92 

381-13 

288.44 

333-54 

380-73 

288.04 

333-IO 

380.28 

287.63 

332-68 

379-88 

287.22 

332.29 

379-49 

286.84 

331-91 

379-13 

286.47 

331-58 

378-79 

286.16 

331-29 

378-53 

285.91 

331-05 

378-33 

285.73 

330-91 

378-18 

285.64 

330.82 

378.07 

285-57 

330.75 

377-95 

285.54 

330.67 

277-7^ 

285.51 

330-56 

377-59 

285.41 

330.37 

377.29 

285.22 

330.09 

376-93 

284.92 

329-72 

376.47 

284.53 

329.25 

375-90 

284.05 

328.66 

375-20 

283.50 

328.01 

374-42 

282.89 

327.30 

373-61 

282.28 

Z^^-SJ 

372-75 

281.64 

325-84 

371-86 

281.04 

325-10 

371.00 

280.43 

324-38 

370.15 

279.87 

323-70 

369.30 

136 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

TERMINAL  RESERVES. 

ENDOWMENT  IN  20  YEARS. 


Age.  II  Years  12  Years.  13  Years.  14  Years.  15  Years. 

21  432.03  48383  538.12  594.99  654.63 

22  43170  483.50  537.78  594-66  654.32 

23  431-33  483-13  537-42  594-32  653.98 

24  430.98  482.78  537.06  593.96  653.66 

25  430.57  482.35  536.67  593-58  653.30 

26  430-17  481.97  536.28  593.22  652.95 

27  429.74  481.55  535.82  592.80  652.58 

28  429.33  481.12  535.46  592.44  652.23 

29  428.94  480.75  535.09  592.10  651.92 

30  428.56  480.42  534.78  591-79  651.59 

31  428.26  480.12  534.49  591.48  651.28 

32  428.02  479.88  534.21  591.19  650.93 

33  427-83  479-64  533-95  590-84  650.55 

34  427.65  479.41  533.65  590.48  650.14 

35  427-48  479.18  533.33  590.09  649.72 

36  427.26  478.87  532.93  589.64  649.19 

37  427.02  478.53  532.54  589.14  648.64 

38  426.71  478.15  532.03  588.56  648.02 

39  426.34  477.68  531.46  587.92  647.30 

40  425.8a  477.10  530.77  587.15  646.46 

41  425.30  476.42  529.99  586.27  645.54 

42  424.62  475.60  52907  585-27  644.47 

43  423-80  474-66  528.03  584-13  643.30 

44  422.91  473-67  526.90  582.92  642.03 

45  421-97  472.57  525-70  581.62  640.68 

46  420.96  471.45  524.45  580.27  639.23 

47  419-94  470.29  523.15  578.81  637.68 

48  418.92  469.12  521.79  577-30  636.03 

49  417-91  467-89  520.37  575.68  634-27 

50  416.86  466.62  518.85  573.96  632.39 


4% 


ActiKirir: 


MODIFIED  PRELIMINARY  TERM. 

TERMINAL  RESERVES. 

ENDOWMENT  IN  20  YEARS. 


137 


Age. 

16  Years. 

17  Years. 

18  Years. 

19  Years. 

20  Years. 

21 

717-15 

782.78 

851.66 

923.98 

1000.00 

22 

716.89 

782.54 

851.49 

923.90 

1000.00 

23 

716.58 

782.31 

851-31 

923.80 

1000.00 

24 

716.31 

782.07 

851-11 

923.71 

1000.00 

25 

715-97 

781.78 

850.91 

923-58 

1000.00 

26 

715-67 

781-53 

850.70 

923.46 

1000.00 

27 

715-34 

781.22 

850.47 

923.28 

1000.00 

28 

715.02 

780.92 

850.25 

923.16 

1000.00 

29 

714.71 

780.66 

850.01 

923.03 

1000.00 

30 

714.40 

780.36 

849.77 

922.85 

1000.00 

31 

714-05 

780.01 

849-49 

922.69 

1000.00 

32 

713.70 

779.69 

849.19 

922.51 

1000.00 

ZZ 

713.29 

779-31 

848.86 

922.29 

1000.00 

34 

712.85 

778.88 

848.51 

922.08 

1000.00 

35 

712.41 

778.45 

848.14 

921.86 

1000.00 

36 

711.87 

777.91 

847-69 

921.56 

1000.00 

^^ 

711.28 

777-2^7 

847.22 

921.29 

1000.00 

38 

710.62 

77^-73 

846.71 

920.95 

1000.00 

39 

709.88 

776.04 

846.10 

920.59 

1000.00 

40 

709.05 

775-23 

845-44 

920.18 

1000.00 

41 

708.10 

774-35 

844-71 

919.74 

1000.00 

42 

707.03 

773-35 

843.89 

919.20 

1000.00 

43 

705-87 

772.27 

842.98 

918.65 

1000.00 

44 

704.61 

771-08 

842.00 

918.04 

1000.00 

45 

703.24 

769.78 

840.92 

917-37 

1000.00 

46 

701.76 

768.39 

839-75 

916.64 

1000.00 

47 

700.17 

766.88 

838.48 

915.86 

1000.00 

48 

698.48 

765.27 

837-13 

914.98 

1000.00 

49 

696.66 

7(^^3-52 

835-63 

914.04 

1000.00 

50 

694.71 

761.62 

834.01 

913-00 

1000.00 

138 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

TERMINAL   RESERVES. 

ENDOWMENT  IN   15   YEARS. 


Age. 

I  Year. 

2  Years 

21 

41.19 

91.09 

:i2 

40.92 

90.81 

22> 

40.63 

90.53 

24 

40.34 

90.22 

25 

40.03 

89.90 

26 

3970 

89-57 

27 

39-36 

89.21 

28 

39.00 

88.84 

29 

38.63 

88.45 

30 

38.23 

88.04 

31 

37.82 

87.60 

32 

37-38 

87.16 

ZZ 

36.93 

86.69 

34 

36.45 

86.20 

35 

35-95 

85.70 

36 

35-44 

85.20 

37 

34.90 

84-67 

38 

34-33 

84.16 

39 

33-75 

83.64 

40 

33-15 

83-13 

41 

32.53 

82.60 

42 

31.90 

82.03 

43 

31-24 

81.42 

44 

30.56 

80.76 

45 

29.86 

80.03 

46 

29.14 

79-28 

47 

28.40 

78.42 

48 

27.63 

77.68 

49 

26.83 

76.83 

50 

26.01 

75-95 

51 

25-17 

75-05 

52 

24-31 

74.11 

S3 

23.42 

73.16 

54 

22.51 

72.19 

55 

21.58 

71.20 

56 

20.63 

70.22 

57 

19.67 

69.23 

58 

18.68 

68.22 

59 

17.69 

67.15 

60 

16.69 

66.08 

3  Years. 

143-30 
143.01 
142.72 
142.41 
142.07 
141.74 
141.36 
140.99 

140.57 
140.14 
139.69 
139-23 
138.75 
138.26 

137-76 
137.27 
136.78 
136.31 
135-85 
135-41 
134-94 
134-39 
133-77 
133-07 
'32.28 

J31-47 
130.62 

12975 
128.80 
127.85 
126.84 
125.82 
124.78 
123.69 
122.62 
121.56 
120.48 

119-34 
118.13 
116.87 


.  Years. 

5  Years. 

197.92 

255-08 

197.64 

254.80 

197-33 

254.50 

197.01 

254.16 

196.67 

253-82 

196.32 

253-46 

195-94 

253.06 

195-54 

252.64 

195.12 

252.21 

194.68 

251.75 

194.20 

251.27 

193-72 

250.78 

193-23 

250.30 

192-75 

249.80 

192.25 

249.32 

191.78 

248.87 

191-33 

248.46 

190.90 

248.07 

190.50 

247-70 

190.10 

247-27 

189.62 

246.77 

189.06 

246.14 

188.38 

245-39 

187.61 

244-54 

186.75 

243.62 

185.88 

242.65 

184.95 

241.62 

183.96 

240.54 

182.93 

239.36 

181.86 

238.16 

180.74 

236.91 

179-59 

235-61 

178.41 

234.29 

177.21 

232.94 

176.01 

231-58 

174.81 

230.17 

173-55 

228.67 

172.22 

227.06 

170.78 

225.34 

169.29 

223.54 

139 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

TERMINAL    RESERVES. 

ENDOWMENT  IN   15  YEARS. 


Age.  6  Years.  7  Years.  8  Years.  9  Years.  10  Years. 

21  314-93  577-5^  443-19  511-90  5''^3-94 

22  314-63  377-29  442.90  511-65  583-68 

23  314.33  376.98  442.60  511.34  583-40 

24  313.98  376.63  442.25  511.01  583.07 

25  313.64  376.32  441.90  510.66  582.74 

26  313.27  375.90  441.53  510.32  582.41 

27  312.86  375.49  441-13  509-90  582.01 

28  312.44  375.08  440.70  509.50  581.63 

29  312.00  374.63  440.24  509.06  581-24 

30  311.53  374-15  439-80  508.62  580.85 

31  311-03  373-66  439-29  508.18  580.39 

32  310.56  373-^7  438.83  507.73  579.99 

33  310.06  372.71  438.38  507-27  579-59 

34  309-59  372.24  437-93  506.87  579.18 

35  309.11  371-80  437-54  506.46  5~8-78 

36  308.71  371.42  437-13  506.07  57^.3^ 

37  308.32  371 -03  436.72  505.64  577-86 

38  307.94  370.62  436.30  505-14  57730 

39  307-53  370.18  435-79  504.56  576.72 

40  307.08  369.65  435.18  503-88  57604 

41  306.50  368.99  434.44  503-11  575-23 

42  305-79  368.20  433-59  502.22  574.32 

43  304.96  367.31  432-63  501.18  573-26 

44  304-05  366.32  431-54  500.05  572-08 

45  303.04  365-22  430-37  498-81  570-83 

46  301.97  364-04  429-11  497-47  569-46 

47  300.82  362.77  427-74  496.05  567.98 

48  299.61  361.45  426.32  494.51  566.4 

49 
50 


298.30  360.00  424-78  492-85  564-72 

296.98  358.54  423.16  491.18  562.98 

51  295.55  356-98  421.47  489.37  561.10 

52  294.12  355-38  419-70  487-44  559-08 

53  292.64  353-73  417-86  485-43  55694 

54  29 1. 1 1  351.97  415-89  483-25  554-60 

55  289.52  350.14  413-80  480.92  552.11 

56  287.86  348.19  411.55  478.44  549-43 

57  286.07  346.10  409.16  475-74  546.50 

58  284.16  34385  406.58  472.80  543.32 

59  282.10  341.42  403-71  469-62  539-85 

60  279.93  338-81  400.67  466.19  536- 14 


140 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

TERMINAL   RESERVES. 

ENDOWMENT  IN   15  YEARS. 


Age. 

II  Years. 

12  Years. 

21 

659.42 

738.54 

2.2 

659-17 

738.34 

23 

658.91 

738.12 

24 

658.64 

737-89 

25 

658.33 

737.60 

26 

658.04 

7V7-Z7 

27 

657.69 

737.10 

28 

657-36 

736.78 

29 

656.98 

736.47 

30 

656.59 

736.17 

31 

656.20 

735-84 

32 

655-83 

735-52 

Z'}^ 

655-50 

735-18 

34 

655-11 

734-82 

35 

654-69 

734-45 

36 

654.25 

73403 

37 

653-78 

733-58 

38 

653-22 

733-07 

39 

652.59 

732-49 

40 

651.92 

731-84 

41 

651.09 

731.10 

42 

650.21 

730.24 

43 

649.17 

729.28 

44 

648.03 

728.29 

45 

646.80 

727.13 

46 

645-44 

725-92 

47 

644.00 

724.60 

48 

642.46 

723.19 

49 

640.79 

721.61 

50 

639.08 

720.03 

51 

637.18 

718.22 

52 

635-12 

716.32 

53 

632.97 

714-25 

54 

630.59 

712.00 

55 

628.05 

709-56 

56 

625.27 

706.89 

57 

622.24 

704.00 

58 

618.95 

700.82 

59 

615-39 

697.40 

60 

611.53 

693.67 

13  Years. 

821.55 
821.38 
821.22 
821.04 
820.86 
820.67 
820.41 
820.23 

819-97 
819.76 
819.51 
819.24 
819.00 
818.70 
818,37 
818.01 
817.66 
817.20 
816.72 
816.18 

815-57 
814.89 
814.11 
813.29 
812.37 
811.38 
810.31 
809.14 
807.83 
806.53 
805.07 

803.45 
801.75 
799.80 
797-77 
795-50 
793-05 
790.36 
787.44 
784-25 


14  Years. 

908.61 
908.54 
908.43 
908.31 
908.21 
908.14 
907.98 
907-87 
907-73 
907.61 

907-45 
907.31 
907.14 
906.95 
906.72 

906.55 
906.30 
906.02 

905-74 
905.42 
905.01 
904.62 
904.15 
903.64 
903.08 
902.50 
901.81 
901. II 
900.36 
899.50 
898.59 

897-57 
896.50 
895.29 

893-99 
892.56 
891.04 
889.31 
887.46 
885.41 


15  Years. 

1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1 000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 
1000.00 


141 


4% 


MODIFIED  PRELIMINARY  TERM. 

TERMINAL   RESERVES. 

ENDOWMENT    IN    lo    YEARS. 


Age. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

21 

74-50 

159-30 

248.08 

341.04 

22 

74.22 

159.02 

247.80 

340.79 

23 

73-93 

158.73 

247-51 

340.50 

24 

7Z-^Z 

158.42 

247.21 

340.19 

25 

73-33 

158.11 

246.90 

339-90 

26 

73.01 

157-78 

246.57 

339-57 

27 

72.66 

157-44 

246.22 

33923 

28 

72.30 

157-07 

245-86 

338-87 

29 

71-93 

156.68 

245-45 

338.47 

30 

71-53 

156.27 

245-03 

338.04 

31 

71. II 

155-84 

244-60 

337.62 

32 

70.67 

155-38 

244.14 

^^V2o 

33 

70.21 

154-91 

243.66 

336.68 

34 

69.72 

154.40 

243.16 

336.20 

35 

69.20 

153-86 

242.61 

335-65 

36 

68.66 

153-32 

242.06 

335-12 

Z7 

68.09 

152-73 

241.49 

334-58 

38 

67.48 

152.13 

240.91 

334-02 

39 

66.85 

151-54 

240.35 

333-50 

40 

66.20 

150.92 

239-76 

332-93 

41 

65-52 

150.28 

239.14 

332-28 

42 

64.82 

149.60 

238.44 

331-58 

43 

64.09 

148.87 

237-67 

330.75 

44 

63-35 

148.09 

236.83 

^^§•^5 

45 

62.58 

147.22 

^^5-86 

328.82 

46 

61.77 

146.32 

234.88 

'^^IV 

47 

60.94 

145-37 

233-85 

326.67 

48 

60.06 

144-38 

232.73 

325-44 

49 

59-15 

143-34 

231-54 

324-15 

50 

58.20 

142.22 

230.28 

322.75 

51 

57-22 

141.06 

228.94 

321.28 

52 

56.18 

139.82 

227-53 

319.70 

53 

55-11 

138.53 

226.04 

318.05 

54 

54.00 

137-19 

224.47 

316.30 

55 

52-83 

135-77 

222.83 

314-47 

56 

51-63 

134-32 

221.13 

312.54 

57 

50.38 

132.81 

219.36 

310.51 

58 

49.08 

131.21 

217.42 

308.26 

59 

47-75 

129.52 

215-38 

305-88 

60 

46.37 

127-73 

213-15 

303-27 

Years. 

438.41 
438.18 

437-90 
437-61 
437-33 
437.02 
436.69 
436.34 
435-96 
435-55 
435-15 
434.70 
434.26 
433-78 
43326 
432-76 
432-25 
431-73 
431.26 
430.67 
430.02 
429.27 
428.41 
427.49 
426.43 
425-34 
424.19 
422.93 

421.53 
420.05 
418.50 
416.81 
415-05 
413-19 
411.23 

409. 1 1 
4cf..87 
404-37 
401.73 
398.81 


M- 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

TERMINAL.  RESERVES. 

ENDOWMENT    IN    lo    YEARS. 


Age. 

21 
22 

23 
24 

25 
26 
27 
28 
29 

30 
31 
32 
33 
34 
35 
36 
37 
38 
39 
40 

41 

42 

43 
44 
45 
46 

47 
48 
49 
50 
51 
52 
53 
54 
55 
56 
57 
58 
59 
60 


6  Years. 

540.44 
540.20 
539-96 
539-67 
539-44 
539-15 
538-85 
538.53 
538-18 
537-79 
537-43 
537-03 
536.60 

536.19 
535-70 
535-26 
534-80 
534-31 
533-85 
533-28 
532.62 

531-87 
531-02 

530.13 
529.07 
528.00 
526.84 
525-55 
524.19 
522.71 
521.12 

519-45 
517.66 

515.77 
513-73 
511-54 
509.20 

506.57 
.503.78 
500.73 


7  Years. 
647-32 
647.14 
646.91 
646.67 

646.47 
646.22 

645-97 
645.70 
645.40 

645-05 
644.74 
644.39 
644.05 

643-69 
643-28 
642.91 
642.50 
642.04 
641.63 
641.09 
640.46 
639.76 

638.99 
638.18 
637.21 
636.20 
635-13 
633-93 
632.67 
631.28 
629.81 
628.23 
626.54 

624.74 
622.79 
620.66 
618.41 
615.87 
613.16 
6 1  o.  1 4 


8  Years. 

759-35 

759-21 

759-05 

758.85 

758.72 

758.52 

758.35 

758.14 

757-87 

757-62 

757-37 

757-11 

756.85 

756.58 

756.29 

755-95 

755-63 

755-29 

754-97 

754-50 

753-96 

753-38 

752-75 

752.10 

751-30 

750.52 

749-63 

748.66 

747.61 

746.47 

745-25 

743-91 

742.53 

741-03 

739-37 

737-53 

735-62 

733-47 
731.11 
728.50 


9  Years. 

876.77 
876.74 
876.62 
876.52 
876.45 
876.36 
876.24 
876.14 

875-97 
875-80 
875-74 
875-58 
875-38 
875.26 

875-03 
874.88 

874-70 
874.46 
874.29 
873-95 
873-63 
873-31 
872.87 
872.51 
872.02 

871-53 
871.01 
870.40 
869.78 
869.05 
868.30 
867.46 
866.  S9 
865.68 
86i.59 
863.46 
862.22 
860.84 
85939 
85769 


10  Years. 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 


U3 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

MEAN  RESERVES. 

LIFE  PAID-UP  IN  20  YEARS. 


Age. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

21 

9-95 

23.29 

37-18 

51-63 

66.67 

22 

10.05 

23.71 

37-93 

52.74 

68.15 

^Z 

10.14 

24.14 

38.71 

53-88 

69.66 

24 

10.24 

24-59 

39-52 

55-05 

71.22 

25 

10.34 

25-05 

40.34 

56.26 

72.82 

26 

10.44 

25-52 

41.20 

57-5^ 

74-47 

^7 

10.54 

25-99 

42.06 

58.78 

76.17 

28 

10.64 

26.48 

42.95 

60.09 

77.90 

29 

10.73 

26.98 

43-87 

61.43 

79.69 

30 

10.83 

27-49 

44.81 

62.81 

81.54 

31 

10.93 

28.02 

45-78 

64.25 

83-45 

32 

11.03 

28.56 

46.79 

65-73 

85-44 

33 

II. 13 

29.12 

47.82 

67.27 

87-50 

34 

II. 21 

29.69 

48.90 

68.87 

89-65 

35 

11.30 

30.28 

50.01 

70.53 

91.88 

36 

11-39 

30.90 

51-19 

72.28 

94.22 

Z7 

11.47 

31-53 

52-39 

74.10 

96.67 

38 

11-55 

32.20 

53-67 

76.00 

99-^3 

39 

11.62 

32.89 

55-OI 

78.00 

101.88 

40 

11.69 

33-62 

56.40 

80.05 

104.56 

41 

11.76 

34-36 

57-82 

82.11 

107.21 

42 

11.84 

35-12 

59.22 

84-13 

109.82 

43 

11.94 

35-89 

60.62 

86.10 

112.35 

44 

12.07 

36.66 

61.99 

88.05 

114.86 

45 

12.22 

37-42 

63-32 

89-95 

117-34 

46 

12.41 

38.20 

64.68 

91.90 

119.86 

47 

12.61 

38.99 

66.07 

93-87 

122.40 

48 

12.82 

39.82 

67.49 

95-85 

124.94 

49 

13-05 

40.65 

68.91 

97-85 

127.50 

50 

13-30 

41-51 

70.36 

99.87 

130.07 

51 

13-58 

42.40 

71.84 

101.93 

132.68 

52 

13.88 

43-32 

7336 

104.04 

135-35 

53 

14.22 

44-28 

74-94 

106.19 

138.07 

54 

14-57 

45-29 

76.55 

108.40 

140.86 

55 

14.98 

46.34 

78.23 

110.69 

143-72 

[44 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

MEAN  RESERVES. 

LIFE  PAID-UP  IN  20  YEARS. 


Age.  6  Years.  7  Years.  8  Years.  9  Years.  10  Years. 

21  82.34  98.65  115.64  133.33  15176 

22  84.19  100.89  118.28  136.39  155-26 

23  86.09  103.19  121.00  139-54  158.84 

24  88.05  105-56  123.79  142.77  162.54 

25  90.06  107.99  126.67  146.11  166.35 

26  92.13  110.50  129.62  149.54  170.28 
^7  94.25  113.07  132.67  153.07  174.31 

28  96.43  115.72  135.80  156.71  178.49 

29  98.69  118.47  139.05  160.48  182.82 

30  101.02  121.29  142.40  164.39  187.30 

31  103.43  124.23  145.86  168.45  191-96 

32  105.95  127.29  149-51  172.67  196.81 

33  108.55  130.46  153.29  177-06  201.84 

34  1 1 1.27  133-78  157-22  181.63  206.99 

35  114.10  137-23  161.31  186.37  212.39 

36  117.07  140.85  165.56  191.22  217.84 

37  120.16  144.57  169.90  196-15  223.33 

38  123.36  148.39  174-31  201.13  228.86 

39  126.63  152.25  178.74  206.10  234.37 

40  129.90  156.09  183.13  211.03  239.86 

41  133-13  159-87  187.45  215.91  245.30 

42  136.29  163.58  191.71  220.74  250.69 

43  139.39  167.24  195.93  225.50  255.99 

44  142.46  170.87  200.12  230.24  261.28 

45  145.51  174.47  204.26  234.92  266.51 

46  148.58  178.09  208.42  239.61  271.74 

47  151.66  181.71  212.57  244.31  276.96 

48  154.75  185.34  216.74  248.98  282.15 

49  157.87  188.97  220.89  253.66  287.35 

50  160.98  192.63  225.07  258.36  292.55 

51  164.13  196.31  229.27  263.06  297.72 

52  167.34  200.05  233.52  267.76  302.84 

53  170.61  203.84  237.78  272.45  307.91 

54  173.94  207.66  242.02  277.08  312.89 

55  177.31  211.48  246.24  281.65  317-74 


145 


4% 


MODIFIED  PRELIMINARY  TERM. 

MEAN  RESERVES. 

LIFE  PAID-UP  IN  20  YEARS. 


Actuaries' 

Age. 

II  Years. 

12  Years. 

13  Years. 

14  Years. 

15  Years. 

21 

170.97 

190.98 

211.83 

2ZZ-S7 

256.25 

22 

174.91 

195-38 

216.72 

238.98 

262.20 

23 

178.95 

199.91 

221.77 

244.56 

268.33 

24 

183.14 

204.61 

226.98 

250.32 

274.67 

25 

187.44 

209.42 

232-35 

256.26 

281.21 

26 

191.88 

214.41 

237.90 

262.41 

287.98 

27 

196.46 

219-55 

243-63 

268.75 

294.97 

28 

201.20 

224.86 

249-55 

275-31 

302.20 

29 

206.10 

230.38 

255-70 

282.12 

309.67 

30 

211. 19 

236.09 

262.07 

289.14 

317-33 

31 

216.47 

242.02 

268.65 

296.36 

325-17 

32 

221.96 

248.15 

275-40 

303-73 

333-15 

33 

227.63 

254-44 

282.30 

311.22 

341-23 

34 

233-45 

260.86 

289.30 

318.80 

349-40 

35 

239-39 

267.38 

296.39 

326.47 

357-67 

36 

245.40 

273-93 

303-51 

334.18 

365-99 

37 

251-45 

280.55 

310.71 

341.96 

374-37 

38 

257-52 

287.19 

317.92 

349-75 

382.77 

39 

263.60 

293-84 

325-14 

357-56 

391.18 

40 

269.65 

300.46 

332-33 

365-34 

399-57 

41 

275-65 

307.02 

339-47 

373-08 

407.94 

42 

281.60 

313-53 

346.55 

380.76 

416.24 

43 

287.46 

319-95 

353-56 

388.36 

424.48 

44 

293.29 

326.36 

360.54 

395-94 

432.69 

45 

299.09 

332.70 

367-45 

403-45 

440.82 

46 

304.84 

33901 

374-34 

410.93 

448.90 

47 

310.59 

345-31 

381.19 

418.34 

456.88 

48 

316.32 

351-57 

387-97 

425.64 

464.72 

49 

322.04 

357-78 

394.66 

432.81 

472-42 

50 

327.71 

363.90 

401.23 

439-84 

479-92 

51 

333-30 

369.91 

407.66 

446.70 

487.23 

52 

338-83 

375-81 

413-93 

453-35 

494-30 

53 

344.26 

381-58 

420.03 

459-80 

501. II 

54 

349-55 

387.17 

42591 

465-97 

507-64 

55 

354-71 

392-59 

431-56 

471-88 

513-86 

146 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

MEAN  RESERVES. 

LIFE  PAID-UP  IN  20  YEARS. 


Age. 

16  Years. 

17  Years. 

18  Years. 

21 

279.91 

304.61 

330.40 

22 

286.42 

311.71 

338.12 

23 

293-14 

319-05 

346.11 

24 

300.09 

326.63 

354.36 

25 

307.26 

334-47 

362.89 

26 

314.69 

342.58 

371.69 

^7 

2>^2-Z':> 

350.91 

380.70 

28 

330.24 

359-48 

389-93 

29 

ZZ^-Z7 

368.25 

399-35 

30 

346.67 

377-18 

408.93 

31 

355-12 

386.25 

418.64 

Z^ 

z^z-y^^ 

395-48 

428.52 

33 

372.38 

404.78 

438.50 

34 

381.19 

414.22 

448.60 

35 

390.08 

423.76 

458.81 
469.07 

36 

399.02 

433-34 

T^l 

408.02 

443-00 

479-43 

38 

417-05 

452.70 

489.84 

39 

426.10 

462.42 

500.27 

40 

435-14 

472.14 

510.73 

41 

444.15 

481.85 

521.19 

42 

453-11 

491-52 

531.63 

43 

462.03 

501.16 

542.04 

44 

470.91 

510.75 

552.38 

45 

479.69 

520.22 

562.62 

46 

488.39 

529-60 

572.75 

47 

496.98 

538.85 

582.75 

48 

505.40 

547-89 

592.56 

49 

513.66 

556.78 

602.17 

50 

521.70 

565-45 

611.56 

51 

529.51 

573-85 

620.69 

52 

537.05 

581.98 

629.56 

53 

544.31 

589-81 

638.14 

54 

551-27 

597-33 

646.40 

55 

557-90 

604.51 

65434 

19  Years.     20  Years. 

y:,7-lA  385-50 

365-72  394-57 

374.39  403.95 

383.35  413-62 

392.57  423-55 

402.06  433-72 

411.75  444.11 

421.64  454-68 

431-73  46545 

441.96  476.39 

452.36  487.51 
462.93  498.79 
473.60  510.21 

484.41  521.76 
495-33  533-44 
506.33  545-24 

517.42  557.13 
528.59  569.12 
539.80  581.20 
551-07  593-35 
562.36  605.54 
573.63  617.73 
584.87  629.91 
596.06  642.06 
607.15  654.14 
618.14  666.14 
629.02  678.06 
639.71  689.81 
650.20  701.42 
660.50  712.88 
670.56  724.16 

680.40  7ZSV 

689.97  746.17 
699.25  756.86 
708.23  767.32 


M7 


4% 


Actuaries' 

Age.    I 

Year. 

2  Years. 

21 

14.07 

31-73 

22 

14.24 

32.30 

23 

14.42 

32.90 

24 

14.60 

33-51 

25 

14.78 

34- U 

26 

14.96 

34-78 

27 

15-15 

35-44 

28 

15-35 

36.12 

29 

15-54 

36.81 

30 

15-73 

37-52 

31 

15-92 

38.24 

32 

16. 1 1 

38.98 

33 

16.31 

39-75 

34 

16.50 

40.53 

35 

16.69 

41.32 

36 

16.87 

42.15 

Z7 

17.06 

43.00 

38 

17-25 

43-87 

39 

17.42 

44-79 

40 

17.60 

45-73 

41 

17.77 

46.70 

42 

17.96 

47.68 

43 

18.16 

48.66 

44 

18.40 

49.65 

45 

18.6  s 

50.63 

46 

i8.9i 

51.61 

47 

19.23 

52.59 

48 

19-53 

53-6o 

49 

19-83 

54.60 

50 

20.15 

55 -60 

51 

20.48 

56.60 

52 

20.82 

57-62 

53 

21.19 

58.65 

54 

21-55 

59-69 

55 

2 1 .(/) 

60.75 

56 

22.^9 

61.84 

57 

22.83 

62.96 

58 

23-3"i 

64.10 

59 

23-84 

65.26 

60 

24-45 

66.46 

MODIFIED  PRELIMINARY  TERM. 

MEAN  RESERVES. 

LIFE  PAID-UP  IN  15  YEARS. 


3  Years. 

50.13 
51-13 
52.16 

53-22 

54-31 
55-44 
56.58 
57-77 
58.98 
60.22 
61.49 
62.81 
64.17 
65-56 
66.99 

68.49 
70.03 
71-63 
73-31 
75-04 
76.80 

78.55 
80.29 
82.0T 
83.68 
85-36 
87-05 
88.76 

90.45 
92.13 
93.80 

95-49 
97.18 
98.87 
100.59 
102.34 
104.10 
105.84 
107.56 
109.28 


4  Years. 

5  Years. 

69.32 

89-33 

70.76 

91.23 

72.25 

93-19 

iz-n 

95.20 

75-34 

97.27 

76.97 

99.41 

78.62 

I  or. 60 

80.34 

103-85 

82.08 

106.16 

83-87 

108.54 

85-73 

110.99 

87.64 

113.52 

89.61 

116.15 

91.65 

118.86 

93-75 

121.66 

95-95 

124.58 

98.22 

127.62 

100.58 

130.77 

103-05 

134.02 

105.57 

137-31 

108.09 

140.58 

110.60 

143-83 

113.06 

147.00 

115-49 

150.14 

117.86 

153-24 

120.26 

156.34 

122.66 

159.J6 

125.05  ' 

162.56 

127.43 

165.63 

129.79 

168.67 

132.14 

171.70 

134-50 

174-72 

T  36.84 

177. 7  2 

139.18 

180.72 

141-55 

183.72 

143-93 

186.69 

146.29 

189.60 

148.57 

192.39 

150.81 

195.09 

152.99 

197.69 

148 


4% 


MODIFIED  PRELIMINARY  TERM. 

MEAN  RESERVES. 

LIFE  PAID-UP  IN  15  YEARS. 


Actuaries' 

Age. 

6  Years. 

7  Years. 

8  Years. 

9  Years. 

10  Years. 

21 

no. 21 

132.00 

154.72 

178.43 

203.18 

2,2 

112.58 

134-86 

158.10 

182.35 

207.66 

23 

115-03 

137.82 

16159 

186.39 

212.27 

24 

117-55 

140.85 

165.16 

190.54 

217.02 

25 

120.14 

143-98 

168.86 

194.82 

221.92 

26 

122.81 

147.21 

172.67 

199.24 

226.97 

^7 

125.55 

150.52 

176.58 

203.78 

232.17 

28 

128.37 

.   153-94 

180.63 

208.48 

^Zl-^:^^ 

29 

131.27 

157-46 

184.78 

213-31 

243.11 

30 

134.26 

161.08 

189.08 

218.31 

248.84 

31 

137-34 

164.82 

193.51 

223.47 

254-77 

32 

140.53 

168.70 

198.10 

228.82 

260.92 

33 

143-83 

172.71 

202.87 

234.36 

267.27 

34 

147.25 

176.88 

207.80 

240.10 

273.82 

35 

150.78 

181. 17 

212.90 

246.01 

280.53 

36 

154-47 

185.66 

218.18 

252.08 

287.39 

Zl 

158.29 

190.27 

223.58 

258.25 

294-34 

38 

162.23 

194.98 

229.05 

264.49 

301.34 

39 

166.25 

199.76 

234.58 

270.76 

308.38 

40 

170.29 

204.54 

240.10 

277.03 

315-45 

41 

174-30 

209.27 

245.57 

283.29 

322.51 

42 

178.26 

213.96 

251.02 

289.53 

329-56 

43 

182.16 

218.61 

256.44 

295.73 

336.58 

44 

186.03 

223.24 

261.84 

301.92 

343.58 

^1 

189.87 

227.83 

267.19 

308.05 

350.56 

46 

193.70 

232.41 

272.52 

314.18 

357-51 

47 

197-53 

236.95 

277.83 

320.28 

364-45 

48 

201.34 

241.49 

283.12 

326.34 

371-31 

49 

205.11 

245.98 

288.34 

332.35 

378.16 

50 

208.85 

250.43 

293.53 

338.31 

384.92 

51 

212.55 

254.82 

298.66 

344.20 

391.60 

52 

216.25 

259.23 

303.77 

350-02 

398.17 

53 

219.93 

263.58 

308.80 

Z^^-7Z 

404.60 

54 

223.58 

267.86 

313-70 

361.29 

41084 

55 

227.19 

272.06 

318.49 

366.67 

416.88 

56 

230.72 

276.13 

323.10 

371.86 

422.69 

57 

234-14 

280.06 

327-54 

376.83 

428.22 

58 

237-41 

283.79 

331-73 

381-49 

43341 

59 

240.54 

287.34 

335-68 

385-86 

438.28 

rx) 

243-53 

290.68 

339-36 

389.93 

442.82 

149 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

MEAN  RESERVES. 

LIFE  PAID-UP  IN  15  YEARS. 


Age. 

7.1  Years, 

21 

229.02 

22 

234.08 

2Z 

239.29 

24 

244.67 

25 

250.22 

26 

255-94 

27 

261.83 

28 

267.95 

29 

274.24 

30 

280.75 

31 

287.47 

32 

294.45 

33 

301.64 

34 

309.00 

35 

316.51 

36 

324.16 

37 

331-89 

38 

339-68 

39 

347-52 

40 

355-43 

41 

363-32 

42 

371-23 

43 

379.10 

44 

386.97 

45 

394-83 

46 

402.66 

47 

410.46 

48 

418.22 

49 

425.96 

50 

433-57 

51 

441-08 

52 

448.46 

53 

455-67 

54 

462.66 

55 

469.43 

56 

475-92 

57 

482.11 

58 

487-94 

59 

493-43 

60 

498.55 

12  Years.  13  Years.  14  Years.  15  Years. 

256.00  284.17  313.61  344.39 

261.66  290.48  320.61  352.09 

267.51  297.00  327.81  360.03 

27355  303-72  335-25  368.24 

279.76  310.66  342.96  376.73 

286.20  317.83  350.91  385.51 

292.83  325.23  359.11  394.57 

299-70  332.89  367-62  403-96 

306.78  340.80  376.39  413.62 

314.10  348.98  385.44  423.55 
321.66  357.40  394.73  433.72 

329.48  366.06  404-25  444-11 
337-49  374-91  413-95  454-69 
345.68  383.93  423.82  465.46 

353-99  393-07  433-83  476-39 

362.44  402.35  444.00  487-51 

370.99  411.77  454.33  498.79 

379.61  421.26  464.74  510.20 

388.32  430.86  475.29  521.76 

397.08  440.53  485.92  533.44 

405.85  450.23  496.62  545.23 

414.65  459-98  507-41  557-13 

423-43  469-74  518.23  569.12 

432.24  479.55  529.11  581.20 
441.02  489-34  540.02  593-34 
449.80  499.16  550.97  605.54 
458.56  508.96  561.91  617.73 
467.28  518.71  572.80  629.92 
475-95  528.40  583.64  642.07 

484.49  537.96  594.36  654.15 
492.89  547.39  604.97  666.14 
501.17  556.68  615.44  678.05 

509.25  565.78  625.75  689.80 

517.11  574.63  635.82  701.42 
524.72  583.25  645.69  712.88 
532.02  591.56  655.29  724.15 
539.02  599.60  664,67  735.28 
545.64  607.26  673.71  746.17 
551.93  614.60  682.46  756.86 
557.83  621.54  690.87  767.32 


ISO 


4% 


MODIFIED  PRELIMINARY  TERM, 

MEAN  RESERVES. 

LIFE  PAID-UP  IN   10  YEARS. 


Actuaries 

Age. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

Ji 

22.57 

49-14 

76.89 

105.87 

136.15 

22 

22.91 

50.05 

78.40 

108.02 

138.96 

-'3 

2325 

50.99 

79.96 

110.22 

141.84 

^4 

23.60 

51-95 

81.57 

112.50 

144.81 

25 

23.96 

52-95 

83.22 

114.84 

147.88 

26 

24-34 

53-98 

84.94 

117.27 

151.04 

27 

24.71 

55-03 

86.68 

119-75 

154.30 

28 

25.10 

56.10 

88.48 

122.31 

157-65 

29 

2549 

57-21 

90.34 

124.94 

161.09 

30 

25.89 

58.35 

92.24 

127.64 

164.64 

31 

26.31 

59-52 

94.20 

130.44 

168.31 

32 

26.72 

60.71 

96.22 

133-31 

172.08 

33 

27.14 

61-95 

98.30 

136.28 

175-99 

34 

27-57 

63.21 

100.44 

139-35 

180.02 

35 

27.99 

64.49 

102.63 

142.49 

184.16 

36 

28.42 

65.82 

104.90 

145-75 

188.46 

Z7 

28.85 

67.18 

107.23 

149. 1 1 

192.91 

38 

29.29 

68.58 

109.64 

152.59 

197.49 

39 

29-73 

70.03 

112. 16 

156.20 

202.24 

40 

30.18 

71-53 

114.74 

159.89 

207.05 

41 

30.62 

73-05 

117-37 

163.63 

211.90 

42 

31.09 

74.61 

120.02 

167.38 

216.77 

43 

31-57 

76.19 

122.69 

171. 13 

221.63 

44 

32.10 

77-78 

125-35 

174.88 

226.50 

45 

32.64 

79-36 

127.97 

178.58 

231-34 

46 

33-23 

80.97 

130.62 

182.33 

236.24 

47 

33-81 

82.56 

133-27 

186.09 

241.14 

48 

34-40 

84.17 

135-94 

189.84 

246.04 

49 

34-99 

85-78 

138-59 

193-58 

250.91 

50 

35-60 

87.38 

141.23 

197.30 

255-77 

51 

36.20 

88.97 

143-84 

200.97 

260.58 

52 

36.81 

90-56 

146.45 

204.65 

265.38 

53 

37-43 

92.14 

149-03 

208.28 

270.12 

54 

38.04 

93-71 

151-58 

211.87 

274.84 

55 

38.67 

95.26 

154.10 

215.42 

279.48 

56 

39-31 

96.82 

156.62 

218.94 

284.05 

57 

39-94 

98.36 

159.10 

222.^8 

288.49 

S"^ 

40-59 

99.88 

161.49 

225.68 

292.75 

5') 

41.26 

101.^8 

163.81 

228.85 

296.84 

60 

41-99 

102.85 

166.05 

231.88 

300.74 

151 


lirtf  MODIFIED  PRELIMINARY  TERM. 

iltOfl  MEAN  RESERVES. 

~  /^  LIFE  PAID-UP  IN  10  YEARS. 

Actuaries' 


Age. 

6  Years. 

7  Years. 

8  Years. 

9  Years. 

10  Years. 

21 

167.79 

200. 87 

235.44 

271.58 

309.3'^ 

22 

171.28 

205.07 

240.39 

277-33 

315-96 

23 

174.88 

209.41 

245-51 

283.25 

322.73 

24 

178.5^. 

21^.88 

250.77 

289.36 

32972 

25 

182.40 

218.48 

256.21 

295.66 

336.94 

26 

186.34 

223.24 

261.81 

302.17 

34440 

27 

190.40 

228.14 

267.61 

308.89 

352.09 

28 

194-57 

233-18 

273.57 

315-81 

360.03 

29 

198.88 

238.39 

279.71 

322.96 

368.24 

30 

203.31 

243-75 

.  286.06 

330.34 

37(^72 

31 

207.90 

249-31 

292.63 

338.00 

385.51 

32 

212.63 

255-04 

299.41 

345-89 

394.57 

33 

217.52 

260.97 

306.44 

354-06 

403.95 

34 

222.57 

267.09 

313-69 

362.51 

413.63 

35 

227.76 

273-40 

321.17 

371.18 

423.54 

36 

233.16 

279.94 

328.88 

380.10 

43372 

^l 

238.73 

286.67 

336.80 

389-24 

444.11 

38 

244.46 

293-55 

344.87 

398-54 

454.68 

39 

250.34 

300.60 

353-" 

408.02 

465-47 

40 

256.28 

307-70 

361.41 

417-58 

476.39 

41 

262.28 

314-86 

369.81 

427.29 

487.51 

42 

268.28 

322.05 

378.26 

437-11 

498.79 

43 

274.30 

329-30 

386.82 

447-04 

510.20 

44 

280.36 

336-62 

395-46 

457-09 

521.77 

4| 

286.39 

343-92 

404.  TO 

467.18 

533-43 

46 

292.50 

351-30 

412.84 

477-39 

545-24 

47 

298.60 

358.67 

421.59 

487.65 

557-14 

48 

304.71 

366.07 

430.39 

497-96 

569-13 

49 

310.79 

373-45 

439-18 

508.30 

581.20 

50 

316.87 

380.84 

448.01 

518.71 

593.36 

51 

322.88 

388.17 

456.79 

529.09 

605.53 

52 

328.90 

395-51 

465-57 

539-47 

617-73 

53 

334.85 

402. 7(; 

474.29 

549.81 

629.91 

54 

340.77 

409.99 

482.93 

560.08 

642.06 

55 

346.58 

417-09 

491-45 

570.23 

654.14 

56 

352.28 

424.02 

499.79 

580.24 

666.14 

57 

357.81 

430.79 

507-99 

590.13 

678.05 

58 

363.^3 

437-32 

515.95 

599-78 

689.80 

|9 

36S.25 

443-63 

523.66 

609.22 

701-43 

60 

373.^3 

449-71 

531-08 

618.41 

712.88 

15- 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

MEAN  RESERVES. 

ENDOWMENT  IN  20  YEARS. 


Age.         I  Year.           2  Years.  3  Years. 

21  28.05  60.35  94- 10 

22  27.83  60.12  93-88 

23  27.60  59.90  93.66 

24  27.37  59.67  93.43 

25  27.13  59.43  93.17 

26  26.87  59-17  92.91 
2y  26-60  58.90  92.64 

28  26.33  58-62  92.36 

29  26.04  58.33  92.08 

30  25-75  58.04  91.77 

31  25.44  57.74  91.47 

32  25-12  57.44  91.18 

33  24.75  57.09  90.89 

34  24.45  56.82  90.61 

35  24.10  56.50  90.35 

36  23.73  56-21  90-12 

37  23.36  55.92  89.91 

38  22-98  55-64  89.74 

39  22-59  55.39  89-62 

40  22.19  55.15  89.53 

41  21.78  54.92  89.52 

42  21-39  54.70  89.44 

43  21.00  54-50  89.28 

44  20.66  54.29  89.15 

45  20.33  54.08  89.00 

46  20-05  5389  88.88 

47  19.78  53.73  88.80 

48  19-53  53.60  88-76 

49  19.30  53.50  88-75 

50  19-10  53.44  88.79 


4  Years. 

5  Years. 

129.38 

166.26 

129.16 

166.04 

128.93 

165.81 

128.70 

165.56 

128.43 

165.29 

128.17 

165.02 

127.89 

164.73 

127.60 

164.43 

127.30 

164.12 

127.00 

163-82 

126.71 

163.53 

126-43 

163.25 

126.16 

163.02 

125.92 

162.81 

125.70 

162.63 

125.54 

162.54 

125.42 

162.51 

125.35 

162.54 

125.36 

162-66 

125.40 

162.76 

125.49 

162-84 

125.44 

162.87 

125.36 

162.81 

125.28 

162.73 

125.22 

162.63 

125.09 

162-57 

125.05 

162.55 

125.06 

162.57 

125.11 

162.63 

125.22 

162.76 

153 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

MEAN  RESERVES. 

ENDOWMENT  IN  20  YEARS. 


Age.  6  Years.  7  Years.  8  Years.  9  Years.  10  Years. 

21  204.83  245.17  287.36  331.50  37770 

22  204.60  244.93  287.11  331-25  377-44 

23  204.35  244.67  286.85  330-96  377-14 

24  204.10  244.40  286.56  330.68  376.85 

25  203.82  244.11  286.26  330.36  376.51 

26  203.54  243.82  285.95  330.04  376.18 

27  203.24  243.49  285.61  329-68  375-80 

28  202.92  243.17  285.28  329-34  375-44 

29  202.61  242.86  284.96  329-01  375-14 

30  202.30  242.55  284.64  328.71  374-85 

31  202.01  242.26  284.36  328.44  374-6o 

32  201.76  242.03  284.14  328.24  374.42 

33  201.54  241.83  283.98  328.10  374.31 

34  201.37  241.70  283.89  328.05  37427 

35  201.25  241.63  283.88  328.08  374.29 

36  201.22  241.67  283.95  328.15  374.33 

37  201.28  241.78  284.08  328.24  374.36 

38  201.38  241.92  284.21  328.33  374.37 

39  201.54  242.06  284.32  328.37  374.31 

40  201.68  242.20  284.38  328.34  374-20 

41  201.76  242.23  284.35  Z^^-^Z  374-00 

42  201.75  242.18  284.24  328.05  Z7Z-7^ 

43  201.68  242.07  284.07  327.80  373.37 

44  201.58  241.94  283.87  327.50  372.97 

45  201.47  241.78  283.64  327.18  372.54 

46  201.39  241.65  283.44  326.87  372.11 

47  201.30  241.54  283.25  326.59  371-70 

48  201.35  241.50  283.13  326.33  371.33 

49  201.39  241.50  283.04  326.16  371.02 

50  201.51  241.57  283.04  326.05  Z70.77 


154 


4% 


MODIFIED   PRELIMINARY  TERM. 

MEAN  RESERVES. 

ENDOWMENT  IN  20  YEARS. 


Actuaries' 

Age. 

II  Years. 

12  Years. 

13  Years. 

14  Years. 

15  Years. 

21 

426.07 

476.70 

529-75 

585-33 

643.58 

22 

42578 

476.42 

529-45 

585-04 

643.30 

23 

425.48 

476.10 

529-14 

584-74 

643.02 

24 

425.18 

475.80 

528.84 

584.43 

642.73 

25 

424.84 

475-45 

528.50 

584.10 

642.43 

26 

424.50 

475-11 

528.17 

583.80 

642.13 

27 

424.12 

474.76 

527-80 

583.42 

641.80 

28 

42378 

474.40 

527-47 

583.13 

641.52 

29 

42347 

474.10 

527-17 

582.85 

641.26 

30 

423.18 

473-82 

526.94 

582.62 

641.03 

31 

422.95 

473-61 

526.72 

582.40 

640.80 

32 

422.79 

473-47 

526.56 

582.22 

640.58 

33 

422.70 

473-35 

526.41 

582.02 

640.31 

34 

422.65 

473.26 

526.26 

581.80 

640.04 

35 

422.62 

473-18 

526.10 

581.56 

639.75 

36 

422.59 

473-05 

525-89 

581.27 

639.40 

37 

422.54 

472.91 

525-67 

580.97 

639.03 

38 

422.45 

472-73 

525-38 

580.59 

638.59 

39 

422.30 

472.49 

525-05 

580.17 

638.09 

40 

422.09 

472.18 

524.62 

579.65 

637.49 

41 

42179 

471-77 

524.11 

579.04 

636.81 

42 

421.42 

471.27 

52350 

578.33 

636.03 

43 

420.94 

470.67 

522.79 

577.52 

635.16 

44 

420.42 

470.04 

522.04 

576.66 

634.22 

45 

419.87 

469.36 

521.22 

575.75 

633.24 

46 

419.30 

468.66 

520.40 

574.81 

632.20 

47 

418.75 

467.97 

519-57 

573.83 

631.10 

48 

418.24 

467.30 

518.73 

572.83 

629.95 

49 

417.78 

466.66 

517-89 

571.78 

628.73 

50 

417-35 

466.01 

517.00 

570.68 

627.44 

55 


4% 


MODIFIED   PRELIMINARY  TERM. 

MEAN  RESERVES. 

ENDOWMENT  IN  20  YEARS. 


AcUu 

iries' 

Age. 

16  Years. 

17  Years. 

18  Years. 

19  Years. 

20  Years. 

21 

704.()6 

768.74 

835-99 

906.59 

980.77 

22 

704.42 

768.53 

835-83 

906.51 

980.77 

23 

704-15 

768.31 

835-69 

906.43 

980.77 

24 

703-91 

768.11 

835-52 

906.34 

980.77 

25 

703.62 

767.86 

835-33 

906.22 

980.77 

26 

703-35 

767-65 

835-16 

906.10 

980.77 

27 

703.07, 

767.39 

834-96 

905-99 

980.77 

28 

'  702.80 

767-15 

834-76 

905-89 

980.77 

29 

702.57 

766.94 

834-59 

905.76 

980.77 

30 

702.33 

766.71 

834.40 

905-65 

980.77 

31 

702.09 

766.45 

834-17 

905-51 

980.77 

32 

701.83 

766.21 

83396 

90536 

980.77 

33, 

701-54 

765.92 

833-70 

905.20 

980.77 

34 

701.23 

765-60 

833-42 

905.02 

980.77 

35 

700.91 

765.28 

833-10 

904.85 

980.77 

36 

700.52 

764-87 

832.78 

904.61 

980.77 

37 

700. 1 1 

764.46 

832.42 

904.39 

900.77 

38 

6c)9.6i 

763-97 

832.02 

904-13 

980.77 

39 

r)()().o7 

763-44 

831-55 

903-83 

980.77 

40 

698.44 

762.82 

831.02 

90350 

980.77 

41 

697-73 

762.13 

830.44 

903-13 

980.77 

42 

696.91 

761.35 

829.78 

902.70 

980.77 

43 

696.03 

760.51 

829.07 

902.26 

980.77 

44 

695.07 

759-60 

828.29  • 

901.77 

980.77 

45 

694.05 

758.60 

827.44 

901.23 

980.77 

46 

692.95 

757-53 

826.52 

900.65 

980.77 

47 

691.78 

756.38 

825.53 

900.02 

980.77 

48 

690.54 

755-15 

824.48 

899-34 

980.77 

49 

689.22 

753-85 

^2^-33 

898.59 

980.77 

50 

687.82 

752.44 

822.08 

897.78 

980.77 

156 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

MEAN  RESERVES. 

ENDOWMENT  IN   15   YEARS. 


Age. 

21 
22 
22, 

24 
25 
26 
27 
28 
29 
30 
31 
Z^ 
ZZ 
34 
35 
36 
37 
38 
39 
40 

41 
42 

43 
44 
45 
46 

47 
48 

49 
50 
51 
52 
53 
54 
55 
56 
57 
58 
59 
60 


Year. 

43.80 
43-58 
43-34 
43.10 
42.85 
42.58 
42.30 
42.01 
41.71 

41-39 
41.06 
40.71 
40.35 
39-97 
39-57 
39.16 

38.73 
38.28 
37-81 
37-33 
36.84 

35-88 
35-43 
34.98 
34-57 
34-17 
33-77 
33-37 
32.98 
32.61 
32.26 
31-94 
31-63 
31-36 
31-13 
30.92 

30.77 
30.69 

30.71 


Years. 

92.60 

92.37 
92.14 
91.89 
91.63 

91-35 
91.06 
90.76 

90.44 
90.11 
89-76 
89.40 
89.02 
88.63 
88.23 
87.83 
87.41 
87.00 
86.60 
86.21 
85.82 
85.42 
85-02 
84.61 
84.17 
83-74 
83.30 
82.87 

82.43 
82.00 

81.59 
81.19 
80.81 

80.47 
80.16 
79.90 
79.71 
79-56 
79-47 
79-45 


3  Years. 

143.66 
143-42 
143.18 
142.92 
142.65 

142.37 
142.07 
141.76 

141.41 
141.06 
140.69 
140.32 
139-93 
139-53 
139-14 
138.74 
138.35 
137-99 
137-65 
137-34 
137.02 
136.67 
136.29 
135-86 
135-38 
134.90 
134-41 
133-93 
133-42 
132.92 
132.42 
131-94 
131-49 
131.06 
130.68 

130.37 
130.11 
129.89 
129.69 
129.54 


4  Years. 

197.07 
196.83 
196.58 
196.32 
196.03 
195-74 
195-43 
195-II 
194-75 
194.38 

193-99 
193.60 
193.20 
192.81 
192.41 
192.03 
191.68 
191.36 
191.08 
190.83 

190.53 
190.18 
189.77 
189.29 
188.74 
188.20 
187.64 
187.07 
186.46 
185.88 
185.27 
184.68 
184.12 

183-57 
183.06 
182.66 
182.27 
181.89 
181.50 
181.15 


Years. 

252.96 
2':>2.72> 
252.47 
252.19 
251.91 
251.61 
251.28 
250.93 
250.57 
250.19 
249-78 
249-38 
248.98 
248.58 
248.19 
247-83 
247-52 
247-24 
247.01 
246.76 
246.44 
246.06 
245-58 
245.02 
244.41 
243.76 

243-14 
242.46 
241.74 
241.03 
240.30 
239.58 
238.87 
238.19 
237-56 
236.97 
236.37 

235-75 
235-10 
234.48 


157 


H 


MODIFIED  PRELIMINARY  TERM. 
MEAN  RESERVES. 


^  ENDOWMENT  IN   15  YEARS. 


Age. 

6  Years. 

7  Years. 

1 

8  Years, 

9  Years. 

10  Years. 

21 

311-47 

37^-72 

436-85 

504.01 

574-38 

22 

311.22 

372.47 

436-60 

503-78 

574-17 

23 

310.97 

372.21 

436-35 

503-53 

573-93 

24 

310.68 

371-91 

436.05 

503-24 

573-65 

25 

310.39 

371-64 

435-77 

502.94 

573-36 

26 

310.08 

371-30 

435-43 

502.64 

573-08 

27 

309-74 

370-95 

435-09 

502.29 

572-73 

28 

309-38 

370.60 

434-73 

501-94 

572-41 

29 

309.01 

370.22 

434-34 

501.55 

572-05 

30 

308.61 

369.81 

433-95 

501.18 

571-71 

31 

308.20 

369-39 

433-52 

500.78 

571-33 

32 

307.80 

368.99 

433-13 

500.41 

570-99 

33 

307-39 

368.60 

432.76 

500.04 

570-64 

34 

307.00 

368.22 

432.39 

499-70 

570-33 

35 

306.62 

367.86 

432.07 

499-41 

570-03 

36 

306.29 

367-57 

431-78 

499.11 

569-73 

37 

306.02 

367.30 

431-50 

498.81 

569-39 

38 

305-76 

366.99 

431-17 

498.48 

569.01 

39 

305-52 

366.76 

430.89 

498.08 

568.55 

40 

305-25 

366.44 

430.49 

497.60 

568.03 

41 

304-89 

366.00 

429-97 

497-03 

567-42 

42 

304.42 

365-45 

429-35 

496.36 

566.73 

43 

303-87 

364-83 

428.66 

495.60 

565-91 

44 

30324 

364-13 

427.88 

494-74 

565-or 

45 

302.55 

363-35 

427.02 

493.81 

564.04 

46 

301-83 

362.53 

426.10 

492.82 

562.99 

47 

301.07 

361-65 

425.12 

491-75 

561.87 

48 

300.29 

360.74 

424.10 

490.63 

560.67 

49 

299.43 

359-75 

422.99 

489.39 

559-38 

50 

298.59 

358-78 

421.87 

488.19 

558-10 

51 

297.71 

357-74 

420.70 

486.90 

556-71 

52 

296.84 

356-73 

419-52 

485-55 

555-24 

53 

295-99 

355-71 

418.32 

484-17 

553-71 

54 

295-14 

354-66 

417-05 

482.69 

552-04 

55 

294.32 

35360 

415-74 

481.13 

550-28 

56 

293.44 

352.45 

414-35 

479-47 

548.41 

57 

292.63 

351-34 

412.89 

477-71 

546.38 

58 

291.72 

350.11 

411.31 

475-79 

544-07 

59 

290.77 

348.81 

409.61 

473-71 

541-78 

60 

289.80 

347-44 

407.81 

471-50 

539-23 

4% 


Actuaries 


MODIFIED  PRELIMINARY  TERM. 

MEAN  RESERVES. 

ENDOWMENT    IN    15    YEARS. 


Age. 

II  Years. 

12  Years. 

13  Years 

21 

648.14 

725.44 

806.51 

22 

<^>47-93 

725.26 

806.37 

23 

64771 

725.07 

806.23 

24 

647.46 

724.87 

806.07 

25 

647.20 

724.63 

805.89 

26 

646.94 

724.42 

805.73 

27 

646.63 

724.17 

805.53 

28 

646.33 

723.91 

805.34 

29 

646.01 

723.63 

805.12 

30 

645.69 

723-35 

804.94 

31 

645-34 

723.07 

804.72 

32 

645.04 

722.80 

804.51 

33 

644.76 

722.55 

804.30 

34 

644.45 

722.27 

804.06 

35 

644.14 

721.97 

803.82 

36 

64377 

721.65 

803.53 

Z7 

643.46 

721.31 

803.25 

38 

64305 

720.90 

802.89 

39 

642.56 

720.44 

802.51 

40 

642.05 

719-95 

802.08 

41 

641.41 

719-35 

801.59 

42 

640.72 

718.68 

801.02 

43 

639.91 

717.92 

800.39 

44 

639.00 

717.11 

799-74 

45 

638.04 

716.19 

798.97 

46 

636.98 

715.21 

798.18 

47 

635-85 

714.16 

797-31 

48 

634-65 

713-04 

796.38 

49 

63335 

711.80 

795.32 

50 

632.05 

710.57 

794-30 

51 

630.62 

709.18 

793.12 

52 

629.08 

707.70 

791.86 

53 

627.48 

706.13 

790.52 

54 

62571 

704.41 

789.02 

55 

623.85 

702.57 

787-43 

56 

621.83 

700.56 

785-67 

57 

619.63 

698.38 

78378 

58 

617.24 

695.99 

781.70 

59 

614.67 

693-44 

779-47 

60 

611.90 

690.67 

777.03 

14  Years. 

891.59 
891.47 
891.38 
891.28 
891.20 
891.12 
890.97 
890.89 
890.75 
890.65 

890.53 
890.40 
890.28 
890.13 
889.95 
889.-79 
889.61 

889.37 
889.14 
888.87 

888.54 
888.21 
887.82 
887.41 
886.95 
886.47 
885.92 

885.34 
884.69 
884.04 
883.31 
882.49 
881.65 
880.66 
879.65 
878.51 
877-30 
875-94 
874.50 
873.90 


15  Years. 

980.77 
980.77 
980.77 
980.77 
980.77 
980.77 
980.77 
980.77 
980.77 
980.77 
980.77 

980.77 
980.77 
980.77 
980.77 
980.77 
980.77 
980.77 
980.77 
980.77 
980.77 
980.77 
980.77 
980.77 

980.77 
980.77 
980.77 

980.77 
980.77 

980.77 
980.77 

980.77 
980.77 
980.77 
980.77 
980.77 
980.77 
980.77 
980.77 
980.77 


159 


4% 

Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

MEAN  RESERVES. 

ENDOWMENT    IN    lo    YEARS. 


Age. 

21 
22 

^2> 

24 

25 

26 
27 
28 
29 
30 
31 
32 

33 
34 
35 
36 
37 
38 
39 
40 

41 
42 

43 
44 
45 
46 
47 
48 
49 
50 
51 
52 
53 
54 
55 
56 
57 
58 
59 
60 


I  Year. 

76.35 
76.12 

75.88 
75-63 
75-38 
75-12 
74.84 
74-55 
74-24 
73-92 
73-58 

73-22 

72.85 
72.45 
72.03 
71.59 

71.12 

70.63 

70.11 

69.58 
69.03 
68.48 

67-93 
67.40 

66.88 
66.38 
65.87 

65-35 
64.83 
64.30 
63-78 
63-25 
62.73 
62.20 
61.68 
61.18 
60.68 
60.20 
59-77 
59-39 


2  Years. 

159.26 
159.02 

158.75 
158.52 
158.27 
158.00 
157.71 
157-41 
157-09 
156.75 
156.39 
156.02 

155.63 
155-21 
154-76 
15432 
153-84 
153-34 
152.85 
152.35 
151.84 
151-33 
150.79 
150.25 
149.66 
149.06 
148.44 
147.81 
147.15 
146.46 

145.76 
145-03 
144.29 

.143-54 
142.77 
142.01 
141.26 
140.48 
139-73 
138.95 


3  Years. 

246.05 
245.81 
245-57 
245.31 
245-05 
244.78 
244.49 
244.19 

243.85 
243-50 
243-14 
242.76 
242.36 
241.93 
241.47 
241.02 
240.54 
240.05 
239.60 

239-13 
238.65 

238.14 
237-58 
236.99 
236.28 
235.61 
234.90 
234-15 
233-34 
232.50 
231.62 
230.71 

229.75 
228.78 
227.77 
226.76 

225.75 
224.65 

223.54 
222.34 


4  Years. 

5  Years. 

336.92 

432.08 

336.69 

431.88 

336.45 

431-65 

336.19 

431-39 

335-95 

431.16 

335-67 

430.90 

335-39 

430.62 

335-09 

430.33 

334-74 

430.00 

334.38 

429.64 

33403 

429.30 

333-65 

428.93 

333-25 

428.54 

332.86 

428.14 

332.36 

427.69 

331-92 

427.27 

331-46 

426.84 

331.00 

426.41 

330.58 

426.04 

330.14 

425-59 

329.65 

425.09 

329.13 

424-54 

328.52 

423.89 

327.87 

423-20 

327.08 

422.38 

326.34 

421.57 

325.55 

420.72 

324.67 

419.76 

323-75 

418.74 

322.76 

417.65 

321-73 

416.51 

320.65 

415.29 

319-51 

414.02 

318.33 

412.69 

317-14 

411.32 

315-87 

409.86 

314.60 

408.35 

313.18 

406.65 

311.72 

404.90 

310.11 

402.94 

i6o 


4% 


Actuaries' 


MODIFIED  PRELIMINARY  TERM. 

MEAN  RESERVES. 

ENDOWMENT    IN    lo   YEARS. 


Age. 

6  Years. 

7  Years. 

8  Years. 

21 

531-78 

636.24 

745-69 

22 

531-59 

636.07 

745-57 

23 

53138 

635-88 

745-43 

24 

531-13 

635-66 

745-25 

25 

530-93 

635-50 

745-14 

26 

530.69 

635-29 

744-97 

27 

530.43 

63507 

744-82 

28 

530.16 

634-84 

744-64 

29 

529-85 

634.57 

744.42 

30 

529-52 

634.27 

744.18 

31 

529.21 

634.00 

743-97 

32 

528.86 

633.70 

743-74 

33 

528.50 

633-40 

743-53 

34 

528.14 

633.09 

743-29 

35 

527-71 

632.72 

743-02 

36 

527.34 

632.41 

742.76 

37 

526.95 

632.08 

742.49 

38 

526.55 

631.71 

742.20 

39 

526.21 

631.40 

741.96 

40 

525-77 

630.98 

741-59 

41 

525-26 

630.48 

741-15 

42 

524-69 

629.93 

740.69 

43 

524.04 

629.32 

740.18 

44 

523-34 

628.68 

739-67 

45 

522.51 

627.90 

739-01 

46 

521.68 

627.11 

738-27 

47 

520.80 

626.27 

737-(^7 

48 

519.82 

625.32 

736.88 

49 

518.76 

624.33 

736.04 

50 

517-63 

623.24 

735-12 

51 

516.43 

622.08 

734-10 

52 

515-16 

620.87 

733-10 

53 

513-82 

619-57 

732.00 

54 

512.43 

618.20 

730.83 

55 

510.95 

616.73 

729-55 

56 

509-36 

615-13 

728.13 

57 

507.70 

613-47 

726.68 

58 

505-81 

611.55 

725.00 

59 

503.86 

609.56 

723.23 

60 

501.67 

607.34 

721.22 

9  Years. 

860.42 
860.37 
860.28 
860.18 
860.13 
860.04 
859.96 
859-86 
85970 
859-56 
859-45 
859-34 
859-19 
859.07 
858.89 
858.74 
858.59 
858.41 
858.29 
858.02 
857-74 
857-46 
857.12 
856.83 
856.42 
856.04 
855-63 
855-11 
854.60 
854.01 

85335 
852.72 
852.03 
851-30 
850.45 
849-53 
848.58 
847.49 

846.34 
845.00 


10  Years. 

980.77 
980.77 

980.77 
980.77 
980.77 
980.77 
980.77 
980.77 

980.77 
980.77 
980.77 
980.77 
980.77 
980.77 

980.77 
980.77 
980.77 
980.77 

980.77 
980.77 

980.77 
980.77 
980.77 
980.77 

980.77 
980.77 
980.77 
980.77 
980.77 
980.77 
980.77 

980.77 
980.77 
980.77 

980.77 
980.77 
980.77 
980.77 
980.77 
980.77 


4% 

Am.  Ex. 

SELECT  AND  ULTIMATE. 
MEAN  and  TERMINAL  RESERVES. 


4% 


Am.  Ex. 


163 


SELECT  AND   ULTIMATE. 
NET  SINGLE  PREMIUMS,  LIFE. 


Age.  [x].  [x]+i.  [x]+2. 

20  240.84  247.51  253.62 

21  244.90  251.76  258.01 

22  249.12  256.15  262.57 
~?)  253.52  260.72  267.33 

24  258.09  265.46  272.28 

25  262.83  270.41  277.41 

26  2(S'j.'/7  275.52  282.73 

27  272.89  280.86  288.27 

28  278.23  286.41  294.04 

29  283.76  292.15  300.01 

30  289.51  298.13  306.22 

31  295.47  304.34  312.68 

32  301.68  310.77  319.34 
ZZ  308.11  31746  326.29 

34  31478  324-39  333-50 

35  321-71  331-59  340.96 

36  328.90  339.03  348.70 

37  336.32  346.75  356.70 

38  344-03  354-75  364-98 

39  352.01  363.02  373.55 

40  360.24  371.58  382.43 

41  368.77  380.42  391.58 

42  377-57  389-55  401.05 

43  386.71  399-02  410.81 

44  396.08  408.72  420.86 

45  405-75  418.73  43^-22 

46  415-72  429-04  441-85 

47  425-95  439-63  452.76 

48  436.45  450.45  463-92 

49  447-19  461.56  475-30 

50  458.15  472.86  486.91 

51  469-35  484-37  498.75 

52  480.75  4.96.12  510.76 

53  492.36  508.04  522.96 

54  504-12  520.13  535.33 

55  516.06  532.37  547.81 

56  528.14  544-74  560.42 

57  540.32  557-20  573.14 

58  552.60  569.80  585.91 

59  564-98  582.41  598.74 

60  577.40  595.09  611.59 

61  58983  607.76  624.45 

62  602.30  620.45  637.25 

63  614.74  633.07  650.02 

64  627.09  645.67  662.70 

65  639.44  658.16  675.24 

66  651.64  670.53  687.69 
^7  ^(^2>-7?>  682.73  699.89 

68  675.68  694.77  711-93 

69  687.46  706.59  723.75 

70  699.02  718.22  y2>S-ZZ 


[x]+3. 

[x]+4- 

259-38 

264.77 

263.94 

269.51 

268.68 

274-45 

273.63 

279.60 

27877 

284.92 

284.10 

290.48 

289.63 

296.22 

295-38 

302.21 

301.39 

308.44 

307-59 

314.88 

314-04 

321.57 

320.73 

328.53 

327.67 

335-73 

334-89 

343-21 

342.35 

350.96 

350.09 

358.96 

358.10 

367.27 

366.41 

375-87 

37500 

384-77 

383-87 

393-94 

393-06 

403-46 

402.54 

413-24 

412.32 

423-33 

422.42 

433-75 

432.79 

444-43 

443.46 

455-41 

454-41 

466.64 

465.62 

478.12 

477-06 

489.84 

488.74 

501.78 

500.63 

513-91 

51273 

526.24 

525-00 

538.72 

537-44 

551-34 

550.02 

564-13 

562.74 

577-01 

575-56 

589.96 

588.42 

602.95 

601.38 

616.01 

614.36 

629.04 

627.31 

6^.2.07 

640.24 

655-07 

653-19 

667.97 

665.96 

680.74 

6'j'^.6(S 

693-43 

691.23 

705.86 

703.62 

718.14 

715-80 

730.23 

727.78 

741.99 

739-45 

753-62 

750.95 

765.00 

164 


4% 


Am.  Ex. 


SELECT  AND   ULTIMATE. 
IMMEDIATE   LIFE   ANNUITIES    DUE. 


Age. 

[X]. 

[X]+I. 

[x]+2. 

[x]+3. 

W+.4. 

20 

19739 

19-565 

19.406 

19-257 

19.116 

21 

I9-633 

19-454 

19.292 

19.138 

18.992 

22 

19523 

19-340 

19-173 

19.014 

18.864 

23 

19.408 

19.221 

19.049 

18.886 

18.731 

24 

19.290 

19.098 

18.921 

18.752 

'?-59^ 

25 

19.166 

18.969 

18.788 

18.613 

18.448 

26 

19.038 

18.836 

18.649 

18.470 

18.298 

27 

18.905 

18.698 

18.505 

18.320 

18.143 

28 

18.766 

18.554 

18.355 

18.164 

17.980 

29 

18.623 

18.404 

18.200 

18.003 

17.814 

30 

18.473 

18.248 

18.038 

17-835 

17.639 

31 

18.318 

18.088 

17.871 

17.660 

17-459 

32 

18.157 

17.920 

17.697 

17.481 

17.271 

33 

17.989 

17.746 

17-517 

17.293 

17.076 

34 

17.816 

17-566 

17.329 

17.099 

16.875 

35 

17.636 

17-379 

17-135 

16.898 

16.667 

36 

17.449 

17.185 

16.934 

16.689 

16.451 

37 

17.256 

16.985 

16.726 

16.474 

16.227 

38 

17-055 

16.776 

16.510 

16.250 

15.996 

39 

16.848 

16.562 

16.288 

16.020 

15-758 

40 

16.634 

16.339 

16.057 

15.780 

15-510 

41 

16.412 

16.109 

15.819 

15-534 

15-256 

42 

16.183 

15.872 

15-573 

15.280 

14-993 

43 

15.946 

15.626 

15-319 

15.017 

14-723 

44 

15703 

15-373 

15-057 

14.748 

14-445 

45 

15450 

15-113 

14.788 

14.470 

14-159 

46 

15.192 

14-845 

14.512 

14.186 

13.867 

47 

14.926 

14-570 

14.228 

13-895 

13-569 

48 

14.652 

14.288 

13-938 

13-596 

13.264 

49 

14-373 

14.000 

13.642 

13-293 

12.954 

50 

14.088 

13.706 

13-340 

12.983 

12.638 

51 

13-797 

13.406 

13033 

12.669 

12.318 

52 

13-501 

13.101 

12.720 

12.350 

11-993 

53 

13.198 

12.791 

12.403 

12.027 

11.665 

54 

12.893 

12.477 

12.082 

11.699 

11-333 

55 

12.582 

12.159 

11-757 

11.369 

10.998 

56 

12.268 

11.837 

11.429 

11.036 

10.661 

57 

1 1 -95 1 

11.512 

11.098 

10.701 

10.323 

58 

11.632 

II. 186 

10.766 

10.364 

9-984 

59 

II. 311 

10.857 

10.433 

10.027 

9-645 

60 

10.988 

10.528 

10.099 

9.690 

9.306 

61 

10.664 

10.198 

9765 

9-353 

8.969 

62 

10.340 

9.869 

9-431 

9.018 

8.633 

63 

10.017 

9-540 

9.100 

8.685 

8.300 

64 

9-695 

9.213 

8.770 

8-355 

7-972 

65 

9-375 

8.888 

8.444 

8.028 

7.647 

66 

9-057 

8.567 

8.121 

7.706 

7328 

67 

8743 

8.249 

7-803 

7-389 

7015 

68 

8.433 

7-036 

7.490 

7-079 

6.708 

69 

8.126 

7.628 

7-183 

6.774 

6.406 

70 

7.826 

7.326 

6.882 

6.475 

6.111 

i65 


m  SELECT  AND   ULTIMATE. 
ilfj(f\  TERMINAL  RESERVES. 

TT  /^  ORDINARY    LIFE. 

Am.  Ex. 


Age. 

0. 

I   Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

-8.87 

.00 

7.7S 

15-42 

22.59 

29.27 

21 

—9.18 

.00 

8.23 

16.16 

23.61 

30.60 

22 

—9-35 

.10 

8.73 

16.95 

24.70 

31-99 

23 

—9.40 

•34 

9.28 

17.79 

25-87 

33-45 

24 

—9.46 

•57 

9.84 

18.68 

27.05 

34.98 

25 

—9-53 

•85 

10.43 

19.60 

28.33 

36.59 

26 

—9.61 

1.08 

11.02 

20.53 

29-63 

38.27 

27 

—9.70 

1-37 

11.66 

21.53 

31.02 

40.05 

28 

-    —9.76 

1.68 

12.35 

22.64 

32-50 

41.91 

29 

-9.87 

1.97 

13-04 

23-73 

34.01 

43.86 

30 

-^9.96 

2.30 

13-79 

24.91 

35-62 

45.91 

31 

—10.07 

2.64 

14.60 

26.15 

37-32 

48.06 

32 

— 10.19 

2.97 

1537 

27.42 

39-08 

50.32 

33 

— 10.30 

3-35 

16.24 

28.80 

40.96 

52.68 

34 

—10.44 

3-73 

17.16 

30.22 

42.90 

55.16 

35 

—10.58 

4.14 

18.10 

31.70 

44.92 

57-76 

36 

—10.73 

4-53 

19.08 

33^25 

47-07 

60.46 

37 

—10.94 

4-95 

20.11 

34-90 

49-31 

63-3I 

38 

—II. 13 

5-40 

21.18 

36.61 

51-67 

66.29 

39 

—11-34 

5-85 

22.28 

38.39 

54-11 

69.43 

40 

—11-59 

6.34 

23-49 

40.30 

56.74 

72.70 

41 

—11.87 

6.81 

24.70 

42.28 

59-43 

76.13 

42 

—12.17 

7-31 

25-99 

44.34 

62.25 

79-69 

43 

—12.45 

7-85 

27-33 

46.50 

65.20 

83-38 

44 

—12.88 

8.33 

28.70 

48.70 

68.22 

87.20 

45 

—13-30 

8.83 

30.12 

50.99 

71-38 

91.12 

46 

—13-79 

9-35 

31-57 

53-35 

74-58 

95-12 

47 

—14-35 

9.84 

3305 

55-74 

77-85 

99-21 

48 

—14.98 

10.25 

34-50 

58.18 

81.18 

103.36 

49 

-15-71 

10.67 

35-94 

60.64 

^oi-^^ 

107.60 

50 

—16.59 

II.OI 

37-40 

63.12 

88.03 

II  1.92 

51 

—17.49 

11.29 

38.84 

65-67 

91-57 

116.34 

52 

—18.55 

11.60 

40.32 

68.26 

95.16 

120.83 

53 

—19.66 

11.81 

41-79 

70.87 

98.81 

125.41 

54 

—20.97 

11.98 

43-27 

73-55 

102.58 

130.07 

55 

—22.36 

12.09 

44-71 

76.25 

106.38 

134.81 

56 

—23.90 

12.12 

46.16 

78.98 

110.25 

139.61 

57 

—25.62 

12.06 

47-59 

81.71 

114.13 

144.47 

58 

-27-51 

11-93 

48.96 

84.49 

118.09 

149-38 

59 

— 29.61 

11.67 

50.32 

87-25 

122.04 

154.32 

60 

—31.90 

11.30 

51-59 

89.98 

126.03 

159.30 

61 

—34-44 

10.77 

52.84 

92.71 

130.04 

164.28 

62 

-37-18 

10.14 

53^99 

95-48 

13407 

169.24 

5^ 

—40.23 

932 

55-04 

98.10 

138.01 

174.17 

64 

—43.61 

8.33 

55-99 

100.70 

141.96 

179.00 

65 

—47-25 

7.13 

56-78 

103.20 

145-74 

183.74 

i66 

m  SELECT  AND   ULTIMATE. 
fjOfk  TERMINAL  RESERVES. 

■    /^  TWENTY   PAYMENT   LIFE. 
Am,  Ex. 


Age. 

0. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

—9.09 

6.11 

20.86 

35-46 

49-91 

64-25 

21 

-9.1C 

6.39 

21.41 

36-33 

51.12 

65.81 

22 

—9.21 

6.64 

22.00 

37-24 

52-39 

67-43 

23 

— 9.26 

6-93 

22.63 

38.22 

53-72 

69.12 

24 

—9-32 

7.20 

23.27 

39-23 

55-08 

70.87 

25 

—9.40 

7-51 

23-93 

40.26 

56.52 

72.69 

26 

—9-48 

7.78 

24-59 

41-31 

57.96 

74-57 

27 

—9-55 

8.11 

25-31 

42.42 

59-51 

76-53 

28 

—9.61 

8.45 

26.06 

43-63 

61.12 

78.57 

29 

—9.72 

8-77 

26.80 

44-79 

62.74 

80.66 

30 

-9-8i 

913 

27.61 

46.06 

64.47 

82.84 

31 

—9.92 

9.48 

28.44 

47-34 

66.23 

85.11 

32 

— 10.04 

9.82 

29.25 

48.66 

68.05 

87-44 

33 

—10.15 

10.21 

30.13 

50.06 

69.97 

89.86 

34 

—10.28 

10.60 

31.07 

51-50 

71-95 

92-36 

35 

— 10.41 

11.02 

32.01 

52.98 

73-96 

94-95 

36 

—10.58 

11.40 

32-97 

54-49 

76.04 

97-61 

37 

— 10.76 

11.79 

33-95 

56-09 

78.22 

100.37 

38 

—10.95 

12.23 

34.98 

57-73 

80.48 

103.22 

39 

—II. 14 

12.66 

36.01 

59-40 

82.78 

106.17 

40 

— 11.42 

13.07 

37-11 

61.16 

85-20 

109.20 

41. 

—11.68 

13-50 

38.22 

62.96 

87-67 

112.34 

42 

—11.99 

13-93 

39-37 

64-79 

90.19 

115-55 

43 

—12.28 

14-39 

40.56 

66.73 

92.82 

118.84 

44 

— 12.67 

14.79 

41-73 

68.65 

95-49 

122.18 

45 

—13. II 

15-21 

42.94 

70.62 

98.21 

125-56 

46 

-13-58 

15-56 

44-15 

72.63 

100.89 

128.94 

47 

—14-15 

15.96 

45-34 

74-61 

103.63 

132.34 

48 

—14.78 

16.24 

46-51 

76-58 

106.37 

135-74 

49 

—15-50 

16.48 

47.64 

78-55 

109.09 

139-13 

50 

-16.38 

16.62 

48.72 

80.48 

1 1 1.80 

142.53 

51 

—17.28 

16.73 

49.82 

82.45 

114-55 

145-93 

52 

—18.32 

16.85 

50.86 

84.40 

117.28 

149-33 

53 

-19-45 

16.85 

51-89 

86.33 

119.99 

152-74 

54 

—20.74 

16.78 

52.88 

88.26 

122.76 

156.14 

55 

— 22.11 

16.64 

53-83 

90.21 

125.53 

159-55 

i67 


4% 


Am.  Ex. 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 
FIFTEEN   PAYMENT   LIFE. 


Age. 

0. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

JO 

—8.99 

TO.18 

29.08 

48.03 

67-05 

86.18 

21 

—9-05 

10.53 

29-77 

49.10 

68.53 

88.10 

22 

—9. 1 1 

10.84 

30.48 

50.23 

70.08 

90.09 

23 

—9.16 

11.20 

31-25 

51-42 

71.72 

92.15 

24 

—9-23 

11-53 

32-03 

52-64 

73-37 

94.30 

25 

—9-30 

11.91 

32.85 

53-90 

75-13 

^o'i^ 

26 

-9.36 

12.29 

33-68 

55-21 

76.92 

98.83 

27 

—9.44 

12.68 

34-55 

56.56 

78.79 

101.22 

28 

—9-50 

13.10 

35-47 

58.02 

80.76 

103.70 

29 

— 9.62 

13-51 

36.39 

59-45 

82.74 

106.27 

30 

—9.70 

13-95 

37-36 

60.98 

84.83 

108.93 

31 

—9.80 

14-39 

38.38 

62.56 

86.98 

1 1 1.69 

32 

—9.91 

14-84 

39-38 

64.16 

89.21 

114.53 

33 

—10.02 

15-33 

40.47 

65.87 

91-53 

117.47 

34 

— 10.15 

15.80 

41.60 

67.60 

93-91 

120.51 

35 

—10.31 

16.30 

42.71 

69.38 

96-33 

123.64 

36 

—10.43 

16.80 

43-90 

71.23 

98.88 

126.86 

?>7 

—10.62 

17.30 

45-08 

73-14 

101.48 

130.19 

38 

—10.82 

17-83 

46.31 

75-09 

104.19 

133.61 

39 

— 11.02 

18.38 

47-56 

77-09 

106.94 

137.14 

40 

— 11.25 

18.89 

48.90 

79-18 

109.81 

140.77 

41 

—"•53 

19-43 

50.21 

81.31 

112.74 

144.50 

42 

— 11.81 

19.99 

51.60 

83-49 

115-72 

148.30 

43 

— 12.10 

20.54 

52.99 

85-75 

1 18.81 

152.18 

44 

—12.49 

21.05 

54-38 

88.00 

121.91 

1 56. 1 1 

45 

—12.93 

21-57 

55-82 

90.30 

125.07 

160.07 

46 

-13-39 

22.03 

57.20 

92.61 

128.21 

164.03 

47 

-13-94 

22.51 

58.60 

94.91 

131.37 

167.99 

48 

—14.56 

22.87 

59-95 

97.16 

134.50 

171-93 

49 

—15.28 

23.24 

61.25 

99-40 

137.61 

175-83 

50 

— t6.ii 

23-49 

62.52 

101.60 

140.69 

179.70 

5t 

— 17.01 

23.67 

63-73 

103.77 

143-73 

183.54 

52 

—18.02 

2383 

64.90 

105.90 

146.72 

187.31 

53 

— 19.15 

23.87 

66.01 

107.97 

149.65 

191.03 

54 

—20.37 

23-87 

67.09 

110.03 

152.61 

194.67 

55 

—21.74 

23-74 

68.05 

112.02 

155-44 

198.23 

56 

-23.26 

23-52 

68.95 

1 13.91 

1 58.20 

201.68 

57 

—24.94 

23.18 

69-79 

115-73 

160.87 

205.04 

58 

—26.82 

22.73 

70-49 

117.49 

163-47 

208.27 

59 

—28.89 

22.10 

71.10 

1 19.12 

165.90 

211.36 

60 

—31.16 

21.36 

71-57 

120.62 

168.26 

214.30 

i68 

m  SELECT  AND  ULTIMATE. 

lLQf\  TERMINAL  RESERVES. 

~  /^  TEN    PAYMENT   LIFE. 
Am.  Ex. 


Age. 

0. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

-8.85 

18.52 

45-99 

73-91 

102.36 

131 -41 

21 

—8.90 

18.99 

46.95 

75-41 

104.42 

134.06 

22 

—8.96 

19.46 

47-95 

76.98 

106.57 

136.82 

23 

— 9.00 

19.96 

49-02 

78.62 

108.83 

139.69 

24 

— 9-05 

20.46 

50.12 

80.33 

III. 13 

142.66 

25 

— 9.11 

21.00 

51.26 

82.08 

113.57 

145-75 

26 

—9.18 

21.52 

52.42 

83-89 

116.04 

148.94 

27 

—9.26 

22.10 

53.63 

85-77 

118.64 

152.28 

28 

—9-31 

22.70 

54.92 

87-78 

121.35 

155-73 

29 

—941 

23.29 

56.21 

89.80 

124.13 

159-29 

30 

—9-50 

23.92 

57-57 

91.92 

127.02 

162.99 

31 

—9-59 

24-57 

59.00 

94.09 

130.03 

166.81 

32 

—9.68 

25-23 

60.41 

96.35 

133.13 

170.80 

33 

—9.80 

25-93 

61.92 

98.72 

136.34 

174.90 

34 

—9.91 

26.62 

6350 

101.12 

139.66 

179-13 

35 

— 10.04 

27.36 

65.09 

103.62 

143-05 

183-51 

36 

— 10.17 

28.09 

66.73 

106.18 

146.59 

188.01 

37 

—10.35 

28.85 

68.41 

108.8s 

150.23 

192.66 

38 

—10.52 

29.63 

70.16 

III. 58 

153-99 

197-45 

39 

—10.72 

30.42 

71.91 

114.37 

157.82 

202.39 

40 

—10.95 

31.22 

73-77 

117.27 

161.81 

207.46 

41 

—II. 18 

32.03 

75-65 

120.25 

165.88 

212.67 

42 

-11-45 

32.85 

77-58 

123.29 

170.05 

217.99 

43 

—11-75 

33-70 

79-53 

126.41 

174.33 

223.43 

44 

— 12.10 

34.49 

81.51 

129-55 

178.66 

228.96 

45 

—12.49 

35.31 

8353 

132.76 

183.08 

234-56 

46 

—12.94 

36.10 

85.55 

136.00 

187.51 

240.20 

47 

—13.46 

36.88 

87.56 

139-24 

191.97 

245-87 

48 

—14.05 

37.57 

89.53 

142.46 

196.44 

251.52 

49 

—14.72 

38.24 

91.46 

145-66 

200.88 

257-23 

50 

—15-51 

38.81 

93-34 

148.81 

205.30 

262.89 

51 

—16.37 

39.33 

95.21 

151-97 

209.71 

268.52 

52 

—17.32 

39.81 

97.00 

155.06 

214.04 

274.10 

53 

—18.39 

40.18 

98.72 

158.08 

218.31 

279.61 

54 

— 19.56 

40.48 

100.39 

161.05 

222.56 

285.03 

55 

—20.85 

40.68 

101.95 

163.94 

226.69 

290.33 

56 

— 22.30 

40.75 

103.39 

166.69 

230.67 

295.49 

57 

—23.90 

40.69 

104.76 

169.32 

234.51 

300.49 

58 

—25.67 

40.51 

105.96 

171.83 

238.23 

305.29 

59 

— 27.62 

40.16 

107.02 

174.18 

241.70 

309.87 

60 

—29.76 

39.66 

107.89 

176.32 

245.01 

314.20 

61 

— 32.16 

38.91 

108.60 

178.24 

248.06 

318.25 

62 

—34-74 

38.01 

109.10 

180.03 

250.89 

32T.97 

63 

-37.62 

36.87 

109.35 

181.46 

.253-36 

32534 

64 

-40.85 

3546 

109.36 

182.64 

255-56 

328.28 

65 

—44-31 

33-79 

109.09 

183-53 

257-30 

330.77 

1 69 


m  SELECT  AND  ULTIMATE. 

ILQfk  TERMINAL  RESERVES. 

"  /t/  TWENTY  YEAR  ENDOWMENT. 
Am.  Ex. 


Age. 

0. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

-8.70 

~S-7~ 

60.58 

ij(K2i) 

132.85 

170.44 

21 

-8.77 

25.72 

60.57 

96.24 

132.81 

170.42 

22 

—8.86 

25.67 

60.51 

96.20 

132.82 

170.41 

23 

—8.89 

25.64 

60.53 

96.21 

132.81 

170.40 

24 

-8.95 

25.60 

60.50 

96.20 

132.81 

170.40 

25 

—9.02 

25-53 

60.47 

96.19 

132.81 

170.40 

26 

—9.09 

25-51 

60.44 

96.17 

132.81 

170.40 

27 

—9.18 

25-47 

60.43 

96.16 

132.79 

170.41 

28 

-9.26 

25.41 

60.40 

96.21 

132.82 

170.43 

29 

-9.36 

25-34 

60.35 

96.18 

132.84 

170.44 

30 

—9.46 

25.29 

60.37 

96.20 

132.85 

170.48 

31 

— 9.60 

25.26 

60.36 

96.20 

132.93 

170.53 

32 

—9.71 

25.16 

60.35 

96.24 

132.96 

170.58 

33 

—9.81 

25.12 

60.34 

96.28 

13301 

1 70.66 

34 

—9-95 

25.09 

60.38 

96.35 

133-12 

170.76 

35 

— 10.09 

25.04 

60.36 

96.40 

133.20 

170.88 

36 

— 10.26 

24-95 

60.38 

96-45 

133-31 

171.02 

37 

—10.44 

24.87 

60.40 

96.58 

133-48 

171.20 

38 

—10.65 

24.81 

60.43 

96.69 

133-66 

171.42 

39 

—10.85 

24-75 

60.47 

96.84 

133-88 

171.69 

40 

—II. 13 

24.66 

60.54 

97-03 

134-17 

172.01 

41 

—11-37 

24-59 

60.64 

97.26 

134-50 

172.40 

42 

—11.68 

24-51 

60.74 

97-48 

134-83 

172.83 

43 

—11.99 

24-45 

60.87 

97.81 

135-26 

173-31 

44 

-12.^8 

24.32 

60.98 

98.12 

135-72 

173-84 

45 

-12.83 

24.21 

61.12 

98-45 

136.23 

174.39 

46 

—13-32 

24.05 

61.26 

98.84 

136.70 

174.96 

47 

—13.89 

23-92 

61.39 

99.19 

137-23 

175.55 

48 

—14-52 

23-71 

61.51 

99-57 

137.81 

176.15 

49 

— 15.26 

23-41 

61.61 

99-95 

138.36 

176.78 

50 

— 16.12 

23.06 

61.68 

100.32 

138.94 

177.46 

51 

—17-05 

22.66 

61.74 

100.74 

139.56 

178.18 

52 

—18.09 

22.29 

61.82 

101.18 

140.26 

178.97 

53 

—19.22 

21.84 

61.89 

101.67 

140.99 

179.83 

54 

— 20.52 

21.30 

61.95 

102.16 

141.83 

180.76 

55 

—21.91 

20.72 

62.00 

102.73 

142.72 

T81.78 

I70 

m  SELECT  AND  ULTIMATE. 

ILQrk  TERMINAL  RESERVES. 

r  /^  FIFTEEN  YEAR  ENDOWMENT. 

Am.  Ex. 


Age. 

0, 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

—8.38 

42.06 

93-71 

146.95 

201.97 

258.96 

21 

-8.42 

42.09 

93-^>9 

146.93 

201.94 

^5?-g^ 

22 

—8.50 

42.02 

93.61 

146.89 

201.90 

^5S-?7 

23 

-8.53 

41.99 

93.61 

146.86 

201.88 

258.82 

24 

—8.59 

41.91 

93-56 

146.80 

201.80 

258.77 

25 

-8.67 

41.87 

93-51 

146.75 

201.80 

258.72 

26 

-8.77 

41.82 

93-43 

146.71 

201.72 

258.67 

27 

—8.84 

41-75 

93-40 

146.63 

201.66 

258.62 

28 

—8.91 

41.68 

93-34 

146.64 

201.67 

258.56 

29 

— 9.01 

41.63 

93-29 

146.58 

201.60 

258.50 

30 

—9.08 

41-57 

93-25 

146.54 

201.54 

258.45 

31 

—9-23 

41.49 

93.20 

146.49 

201.50 

258.39 

32 

—9-32 

41-39 

93-15 

146.45 

201.48 

258.33 

33 

—9.42 

41-34 

93.10 

146.43 

201.39 

258.27 

34 

—9-57 

41.22 

93-05 

146.36 

201.35 

258.20 

35 

—9.76 

41.16 

92.94 

146.28 

201.26 

258.14 

36 

-9-85 

41.02 

92.93 

146.24 

201.27 

258.07 

37 

—10.05 

40.88 

92.82 

146.24 

201.23 

258.01 

38 

— 10.26 

40.74 

92.72 

146.14 

201.18 

257-9S 

39 

— 10.46 

40.67 

92.64 

146.10 

201.14 

^5^-2i 

40 

— 10.71 

40.48 

92.59 

146.07 

201.12 

257.88 

41 

—10.97 

40.34 

92-51 

146.07 

201.14 

257.88 

42 

—11.25 

40.21 

92.46 

146.03 

201. II 

257-87 

43 

—11.56 

40.05 

92.40 

146.06 

201.17 

257-88 

44 

—11.94 

39-83 

92.31 

146.03 

201.18 

257-87 

45 

—12.38 

39.61 

92.26 

146.03 

201.21 

257-85 

46 

—12.8s 

39-33 

92.08 

146.02 

201.18 

257-78 

47 

-13-38 

39-02 

91-95 

145-97 

201.17 

257.67 

48 

—14.03 

38.66 

91-75 

145-84 

201.08 

257-52 

49 

—14.74 

38.27 

91.49 

145-70 

200.93 

257-31 

50 

—15-57 

37-73 

91.20 

145-51 

200.78 

257.07 

51 

— 16.46 

37-14 

90.85 

145-31 

200.59 

256.78 

52 

—17.46 

3^^-56 

90.46 

145.06 

200.34 

256.45 

53 

—18.57 

35-86 

90.05 

144-80 

200.09 

256.08 

54 

—19.83 

35-07 

89-57 

144.49 

199.85 

255-68 

55 

— 21.19 

34.22 

89.04 

144.16 

199-54 

255-24 

5^' 

—22.71 

3327 

88.44 

143-77 

199.20 

254.76 

57 

—24.40 

32.20 

87.81 

143-35 

198.93 

25424 

58 

— 26.27 

31-05 

87.08 

142.93 

198.45 

253-68 

59 

—28.35 

29-75 

86.32 

142.42 

198.01 

253-09 

60 

—30.62 

28.33 

85-44 

141.88 

197-56 

252.45 

\y\ 


4^ 


10 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 
TEN   YEAR  ENDOWMENT. 


Am. 

Ex. 

Age. 

0. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

—7.71 

75-79 

161.99 

251-49 

344-53 

441.49 

21 

-7.76 

75-75 

161.94 

251.42 

344-47 

441.43 

22 

-7.82 

75-75 

161.91 

251-38 

344-44 

441.38 

23 

-7.84 

75-67 

161.87 

251-34 

344-38 

441.32 

24 

-7.89 

75-61 

161.80 

251.29 

344-30 

441.26 

^^ 

-7.96 

75-57 

161.77 

251.20 

344.28 

441.19 

26 

—8.02 

75-52 

161. 71 

251-17 

344.18 

441.12 

27 

—8. 1 1 

75-45 

161.66 

251.09 

344-12 

441.04 

28 

—8.17 

75-40 

161.61 

251.06 

344-09 

440.97 

29 

-8.27 

75-34 

161. 5 1 

250.96 

343-98 

440.88 

30 

-.S.36 

75-23 

161.47 

250.91 

343-87 

440.78 

31 

—8.46 

75-14 

161.38 

250.81 

343-81 

440.69 

32 

— 8.s6 

75-05 

161.27 

250.71 

343-72 

440.58 

33 

—8.70 

74-97 

161. 18 

250.63 

343-63 

440.47 

34 

-8.79 

74-88 

161. 13 

250.53 

343-52 

440.34 

35 

—8.94 

74-75 

160.99 

250.43 

343-36 

440.21 

36 

—9-05 

74.62 

160.83 

250.28 

343-27 

440.05 

V 

—9-25 

74-51 

160.73 

250.16 

343-08 

439.89 

38 

—945 

74-34 

160.62 

250.00 

342.94 

439.71 

39 

—9.60 

74-23 

160.43 

249.89 

342.80 

439.52 

40 

—9-85 

74.00 

160.25 

249.68 

342.61 

439-32 

41 

— 10.06 

73-81 

160.13 

249-56 

342.40 

439.10 

42 

— 10.31 

73-62 

159-93 

249-35 

342.21 

438.86 

43 

—10.63 

73-43 

159-74 

249.18 

342.00 

438.60 

44 

—10.95 

73-13 

159-52 

248.97 

341-75 

438-31 

45 

—11-35 

72-84 

159-27 

248.71 

341.49 

437-97 

46 

—11.79 

72.50 

158.97 

248.44 

341.15 

437.57 

47 

—12.31 

72.14 

158.65 

248.08 

340.76 

437-10 

48 

-12.87 

71.69 

158.25 

247.68 

340.31 

436.55 

49 

-13-54 

71.16 

157-77 

247.20 

339-78 

435.92 

50 

—14.29 

70.55 

157.22 

246.64 

339-16 

435-20 

51 

—15-14 

69.89 

156.61 

246.02 

338.45 

434-39 

52 

— 16.04 

69.17 

155-95 

245-36 

337-69 

433-49 

53 

— 17.11 

68.30 

155-17 

244.56 

336.79 

432.48 

54 

—18.26 

67-37 

154-30 

243.68 

335.87 

431.36 

55 

-19-51 

66.36 

153-38 

242.75 

334.80 

430.12 

56 

—20.93 

65.22 

152.32 

241.67 

333-62 

428.74 

^l 

—22.52 

63.94 

151-18 

240.48 

332.38 

427.21 

58 

—24.23 

62.56 

149.92 

239.22 

330.90 

425.53 

59 

— 26.17 

60.99 

148.49 

237.76 

329-25 

423.67 

60 

—28.28 

59-32 

146.93 

236.18 

327-51 

421.64 

61 

—30.64 

57-39 

145-23 

234-43 

325-59 

419.41 

(>2 

-33-22 

55-34 

143-36 

232.61 

323-55 

416.95 

\^ 

—36.12 

53-06 

141.30 

230.50 

321.20 

:  414.27 

64 

—39-30 

50.56 

139-05 

228.20 

318.72 

411.28 

65 

—42.77 

47-79 

136.56 

225.70 

315.87 

407.97 

172 


VI  .rw 

SELECT  AND  ULTIMATE. 

4% 

MEAN 

RESERVES. 

T/U 

ORDINARY   LIFE. 

Am.  Ex. 

Age.         I 

Year. 

2  Years. 

3  Years.          i^ 

I  Years. 

5  Years. 

20 

1.88 

10.05 

17-<M 

2534 

Z^-^l 

21 

1.89 

10.54 

18.67 

26.36 

33-58 

22 

2.00 

11.04 

19.46 

27-45 

34-97 

23 

2.25 

11-59 

20.31 

28.61 

36.44 

24 

2.49 

12.14 

21.20 

29.80 

37-95 

25 

^■77 

12.75 

22.12 

31.07 

39-57 

26 

3.02 

13-34 

23.06 

Z2.17 

41.24 

27 

3-31 

13-99 

24.07 

33-75 

43-°^ 

28 

3-64 

14.69 

25-17 

35-25 

44.88 

29 

3-94 

15-39 

26.27 

36.76 

46.82 

30 

4.28 

16.15 

27.46 

38.37 

48.87 

31 

4-63 

16.96 

28.72 

40.08 

51-03 

32 

4.98 

17.76 

29.99 

41.84 

53-29 

33 

5.38 

18.65 

31-37 

43-73 

55-67 

34 

5-77 

19-57 

32.82 

45-69 

58.16 

35 

6.20 

20.54 

34.32 

47-73 

60.76 

36 

6.63 

21.54 

35-90 

49.89 

63-50 

Z7 

7.07 

22.59 

37-57 

52.17 

66.37 

38 

7-55 

23-70 

39-31 

54-55 

69-39 

39 

8.04 

24.85 

41.12 

57-04 

72.56 

40 

8.55 

26.09 

43-07 

59-70 

75-90 

41 

9.07 

27.35 

45-09 

62.45 

79-38 

42 

9.61 

28.69 

47.21 

5§-^4 

8^.01 

43 

10.22 

30.11 

49-43 

68.37 

86.81 

44 

10.75 

31-54 

51-72 

71.48 

90-73 

45 

11-33 

3304 

54-12 

74-75 

94-81 

46 

11.92 

34.60 

56.60 

78.10 

98.99 

47 

12.50 

36.20 

59-15 

81.55 

103.28 

48 

1304 

37-78 

61.75 

§§°9 

107.68 

49 

13-59 

39-41 

64.40 

88.72 

112.20 

50 

14.06 

41.06 

67.11 

92.43 

116.83 

51 

14-55 

42.71 

69.90 

96.27 

121.60 

52 

15.02 

44-45 

72.78 

100.20 

126.49 

53 

15-47 

46.20 

75-73 

104.24 

131-51 

54 

15-87 

47-99 

78.78 

108.43 

136.69 

55 

16.26 

49.80 

81.88 

112.71 

141.99 

56 

16.61 

51.64 

?5'°7 

117.T2 

147-43 

57 

16.90 

53-50 

88.33 

121.60 

152.98 

58 

17-15 

55-38 

91.66 

126.23 

158.67 

59 

17.32 

57-28 

9507 

130.93 

164.47 

60 

1743 

59.17 

98.51 

135-73 

170.39 

61 

17-44 

61.08 

102.05 

140.65 

176.42 

62 

17.40 

62.99 

105.66 

145-70 

182.58 

63 

17.24 

64-87 

109.26 

150.75 

188.78 

64 

16.95 

66.75 

112.94 

155-92 

195-07 

65 

16.57 

68.58 

116.62 

161. 10 

201.37 

173 


4% 


Am.  Ex. 


SELECT  AND  ULTIMATE. 

MEAN   RESERVES. 
TWENTY   PAYMENT  LIFE. 


Age.         I  Year.          2  Years.          3  Years.  4  Years.       5  Years. 

20  7-88  22.85  37.53  52.05  66.45 

21  8.14  23.43  38.40  53.25  67.99 

22  8.41  24.01  39.31  54.51  69.60 

23  8.70  24.64  40.29  55.83  71.28 

24  8.98  25.28  41.29  57-20  73-02 

25  9.29  25.95  42.33  58.62  74.84 

26  9.58  26.61  43.38  60.06  76.69 

27  9-91  27.34  44.50  61.60  78.65 

28  10.26  28.10  45.69  63.22  80.69 

29  10.59  28.85  46.86  64.83  82.77 

30  10.96  29.67  48.13  66.56  84.95 

31  11.32  30.50  49.43  68.33  87.21 
Z^  11-69  31-33  50.75  70-15  89.54 

33  12.09  32.23  52.16  72.08  91.98 

34  12.50  33.17  53.62  74.06  94.49 

35  12.94  34.15  55.13  76.10  97.09 

36  13-35  35-12  56.67  78.20  99.76 

37  13-77  36.13  58.28  80.41  102.55 

38  14-23  37-20  59-95  82.70  105.44 

39  14-70  38.28  61.65  85.03  108.42 

40  15-14  39-41  63.45  87.50  1 1 1.52 

41  15.62  40.57  65.30  90.02  1 14.71 

42  16.09  41-77  67.20  92.61  117-99 

43  16.61  43.03  69.20  95.33  121.39 

44  17.08  44.28  71.21  98.09  124.85 

45  17-55  45-58  73-28  100.92  128.39 

46  18.01  46.88  75.41  103.78  131-94 

47  18.48  48.22  77.55  106.69  135.56 

48  18.88  49.53  79.70  109.63  139.21 

49  19.27  50.84  81.87  112.60  142.89 

50  19-55  52.10  84.03  115.57  146.60 

51  19.86  53.41  86.27  118.64  150.38 

52  20.15  54.74  88.51  121.72  154.19 

53  20.38  56.05  90.79  124.84  158.05 

54  20.55  57-36  93.10  128.04  161.98 

55  20.71  58.68  95.46  131.31  165.98 


174 

m  SELECT  AND  ULTIMATE. 

/ICJ^  MEAN   RESERVES. 

■    /^  FIFTEEN  PAYMENT  LIFE. 

Am.  Ex. 

3  Years.  4  Years,        5  Years. 

49.82  68.81  87.88 

50.89  70.27  89.77 

52.01  71.81  91.74 
53-19  7343  93-79 
54.41  75.08  95.91 
55.67  76.81  98.12 
56.97  78.59  100.40 
58.32  80.44  102.77 
59.76  82.41  105.25 
61.20  84.38  107.79 
62.72  86.46  1 10.43 
64.31  88.61  1 13.17 

65.90  90.82  116.00 
67.61  93.14  118.94 
69.37  95-52  121.98 
71.15  97.96  125.09 

73.02  100.51  128.33 
74.93  103.13  131.66 

76.91  105.85  135. 1 1 
78.93  108.62  138.65 
81.07  111.52  142.32 
83.23  114.49  146.09 
85.47  117-53  149-94 
87.78  120.69  153-91 
90.11  123.87  157.93 
92.51  127.14  162.02 

94.92  130.42  166.13 
97-36  133.74  170.28 
99.78  137.06  174.44 

102.21  140.39  178.60 
104-63  143-72  182.77 
107.05  147.05  186.94 
109.47  150.38  191.08 
1 1 1.87  153.69  195.22 
114.30  157.06  199.38 
116.68  160.38  203.48 
119.04  163.66  207.55 
121.39  166.93  211.59 
123.71  170.20  215.59 
125.99  173.39  219.51 

128.22  176.56  223.40 


Age. 

I  Year. 

2  Years. 

20 

11.86 

30.90 

21 

12.19 

31.66 

22 

12.52 

32-31 

23 

12.88 

33-08 

24 

13.22 

33-85 

25 

13.60 

34-67 

26 

13-99 

35-51 

27 

14.39 

36.38 

28 

14.82 

37-30 

29 

15-23 

38.23 

30 

15.68 

39.21 

31 

16.13 

40.22 

32 

16.60 

41.24 

33 

17.10 

42.34 

34 

17-59 

43-47 

35 

18.10 

44-61 

36 

18.64 

45-81 

37 

19.16 

47.01 

38 

19.71 

48.28 

39 

20.29 

49-58 

40 

20.85 

50.92 

41 

21.42 

52.29 

42 

22.02 

53-72 

43 

22.63 

.55-18 

44 

23.20 

56.63 

45 

2?>.77 

58.15 

46 

2433 

59.62 

47 

24.89 

61.16 

48 

25-38 

62.64 

49 

25.86 

64.13 

50 

26.26 

65-58 

51 

26.63 

67.00 

52 

26.97 

68.43 

53 

27.24 

69.82 

54 

27.49 

71.22 

55 

27.65 

72.54 

56 

27.74 

73-84 

57 

27-75 

75-12 

58 

27.68 

76-33 

59 

27.49 

77-48 

60 

27.22 

78.59 

m  SELECT  AND  ULTIMATE. 

ilO^  MEAN  RESERVES. 

*T  A'  TEN  PAYMENT  LIFE.. 
Am.  Ex. 


175 


Age. 

I  Year. 

2  Years. 

3  Years. 

20 

20.02 

47-44 

75-13 

21 

20.48 

48.41 

76.62 

22 

20.95 

49.40 

78.16 

23 

21.45 

50.46 

79-79 

24 

21.96 

51-55 

81.48 

25 

22.50 

52.68 

83-22 

26 

23-03 

53-83 

85-02 

27 

23.60 

55-05 

86.88 

28 

24.21 

56.33 

88.87 

29 

24.80 

57-61 

90.87 

30 

2543 

58.97 

92-97 

31 

26.14 

60.39 

95-15 

32 

26.77 

61.81 

97-37 

33 

27.47 

6333 

99.72 

34 

28.18 

64.88 

102.13 

35 

28.93 

66.49 

104.62 

36 

29.69 

68.14 

107.18 

37 

30.45 

69-83 

109.83 

38 

31.26 

71.60 

112.57 

39 

32.07 

73-39 

115-36 

40 

32.89 

75-25 

118.28 

41 

33-75 

77.16 

121.27 

42 

34.61 

79.12 

124.34 

43 

35-49 

81.13 

127.49 

44 

36.35 

83-15 

130.68 

45 

37-23 

85.24 

133-96 

46 

38.09 

87-33 

137-28 

47 

38.94 

89-45 

140.63 

48 

39-75 

91-54 

143-98 

49 

40.53 

93-62 

147-33 

50 

41.20 

95-67 

150.67 

51 

41-93 

97-72 

154-04 

52 

42.59 

99-75 

157-38 

53 

43-17 

101.73 

160.68 

54 

43-71 

103.68 

163.97 

55 

44.18 

105-58 

167.21 

56 

44.55 

107.40 

170.37 

57 

44.83 

109.16 

173-48 

58 

45.02 

110.84 

176.50 

59 

45-09 

112.41 

179.42 

60 

45.06 

113.89 

182.22 

61 

44.84 

115.22 

184.89 

62 

44-53 

116.45 

187.46 

63 

44-04 

117.52 

189.82 

64 

43-32 

118.43 

192.02 

65 

42.46 

119.16 

194.03 

4  Years.   5  Years. 

103.32  132-07 

105-35  134-68 

107.47  137-39 

109.70  140.23 

1 1 1.99  143-15 

114.38  146.21 
116.83  149-35 
119-39  ■  152-64 
122.08  156.06 
124.83  159-57 
127.69  163.23 
130.66  167.02 
133-73  170-96 
136-93  175-02 
140.21  179.22 
143.60  183.55 
147.11  188.03 
150.74  192.65 
154-49  197-42 
158.32  202.33 
162.30  207.39 

166.39  212.60 
170.58  217.93 
174.89  223.40 
179.26  228.96 
183-74  234.64 
188.26  240.36 
192.84  246.15 
197.44  251.97 

202.04  257.83 
206.65  263.69 
211.29  269.57 
215-90  275.42 
220.47  281.24 

225.05  287.04 
229.58  292.77 
234.01  298.41 
238-35  303-94 
242.63  309-36 
246.76  314-61 
250.78  319-72 
254.62  324.62 
258.36  329.33 
261.82  333.76 
265.12  337.94 
268.14  341-76 


176 


4% 


Am.  Ex. 


SELECT  AND  ULTIMATE. 

MEAN   RESERVES. 

TWENTY   YEAR   ENDOWMENT. 


Age.    I  Year.    2  Years.  3  Years.  4  Years.   5  Years. 

20  27.07  61.71  97.00  13313  170.21 

21  27.06  61,73  96.99  ^33'^^  170.20 

22  27.01  61.70  96.96  133.12  170.22 

23  27.01  61.72  97.00  133-14  170.24 

24  26.98  61.71  97.01  13316  170.26 

25  26.94  61.68  97.01  133.18  170.29 

26  26.93  61.69  97.02  133-21  170-32 

27  26.89  61.70  97.04  133-22  170.35 

28  26.86  61.69  97.09  133-30  170-41 

29  26.82  61.67  97-09  133-34  170.47 

30  26.79  61.70  97.16  133-40  170.54 

31  26.75  61.73  97.20  133.49  170-65 

32  26.70  61.73  97.27  133.57  170.74 

33  26.69  61.77  97.35  133.68  170.87 

34  26.67  61.84  97.47   .   133.84  171.04 

35  26.65  61.88  97.56  133.98  171.22 

36  26.61  61.93  97.68  134.14  171.43 

37  26.57  61.99  97.85  134.39  171.70 

38  26.54  62.08  98.02  134.64  172.00 

39  26.53  62.19  98.24  134.94  172.37 

40  26.48  62.31  98.50  135-31  172.80 

41  26.47  62.48  98.81  135.74  173.31 

42  26.45  62.66  99-14  136.19  173.86 

43  26.45  62.88  99.56  136.76  174.51 

44  26.41  63.09  99.99  137.36  175.22 

45  26.37  63.34  100.46  138.02  175.99 

46  26.31  63.60  101.00  138.72  176.78 

47  26.26  63.90  101.54  139.46  177.64 

48  26.18  64.20  102.13  140.28  178.57 

49  26.04  64.47  102.74  141. 12  179.53 

50  25.85  64.75  103-38  142.01  180.58 

51  25.66  65.05  104.09  143.00  181.72 

52  25.47  65.42  104.87  144.09  182.98 

53  25.25  65.81  105.72  145.27  184.35 

54  24.97  66.21  106.64  146.58  185.88 

55  24.69  66.64  107.65  148.01  187.53 


177 


4% 


Am.  Ex. 


SELECT   AND   ULTIMATE. 

MEAN  RESERVES. 

FIFTEEN  YEAR  ENDOWMENT. 


Age. 

I  Year. 

20 

43-07 

21 

43.08 

22 

43.02 

23 

43.01 

24 

42.96 

25 

42.93 

26 

42.88 

27 

42.83 

28 

42.79 

29 

42.75 

30 

42.72 

31 

42.64 

2>^ 

42.59 

2>Z 

42.56 

34 

42.47 

35 

42.40 

36 

42.35 

37 

42.25 

38 

42.15 

39 

42.10 

40 

41.98 

41 

41.89 

42 

41.81 

43 

41.71 

44 

41.57 

45 

41.42 

46 

41-25 

47 

41.06 

48 

40.81 

49 

40.55 

50 

40.18  ^ 

51 

39.81 

52 

39.42 

53 

38.96 

54 

38.43 

55 

37.88 

56 

37.25 

57 

36.55 

58 

35.80 

59 

34.95 

60 

34.03 

2  Years. 
94.11 
94.14 
94.08 
94.08 

94.04 
94.02 

93-98 
93-95 
93-92 
9390 
93-88 

93-85 
93.82 
93.82 
93-78 
93-75 
93-74 
93.68 

93-64 
93-65 
93-63 
93-63 
93.66 

9369 
93-69 
93-74 
93.71 
93-72 
93-70 
93.66 
93-57 
93-46 
93-38 
93-27 
93-13 
92-99 
92.83 
92.66 

92-47 
92.28 
92.06 


3  Years. 

146.56 
146.56 
146.51 
146.52 
146.48 
146.46 
146.42 
146.39 
146.40 
146.37 
146.37 
146.35 
146.35 
146.36 

146.35 
146.31 

146.35 
146.36 

146.34 
146.37 
146.42 
146.49 

146.57 
146.70 
146.79 
146.95 
147.06 
147.20 
147.29 
147.38 
147.46 

147-55 
147-63 
147-74 
147.84 
147.96 
148.08 
148.23 
148.41 
148.62 
148.83 


4  Years, 

200.69 

200.68 

200.66 

200.65 

200.60 

200.60 

200.57 

200.52 

200.56 

200.53 

200.51 

200.50 

200.52 

200.51 

200.50 

200.47 

200.52 

200.57 

200.57 

200.62 

200.69 

200.81 

200.90 

201.08 

201.23 

201.42 

201.61 

201.81 

201.95 

202.10 

202.25 

202.42 

202.57 

202.76 

202.98 

203.21 

203.46 

203.79 

204.10 

204.46 

204.89 


Years. 
256.69 
256.68 
256.65 
256.63 
256.58 
256.59 
256.55 
256.52 
256.52 
256.49 
256.47 
256.45 
256.46 

256.43 
256.42 
256.40 
256.43 
256.45 
256.47 
256.52 
256.59 
256.71 
256.82 
256.99 
257.15 
257.33 
257.49 
257.66 

257-79 
257.90 
258.03 

258.15 
258.26 
258.40 
258.57 
258.75 
258.95 
259-24 
259-47 
259-80 
260.18 


178 


496 


Am.  Ex. 


Age.         I  Year. 

20  76.08 

21  76.05 

22  76.03 

23  76.00 

24  75.96 

25  75-92 

26  75.88 

27  75.82 

28  75-79 

29  75-74 

30  75.66 

31  75.60 

32  75-53 

33  75-46 

34  75-40 

35  75-31 

36  75-23 

37  75-13 

38  75.00 

39  74-93 

40  74.76 

41  74.64 

42  74.50 

43  74-35 

44  74-15 

45  73-93 

46  73.69 

47  73-42 

48  73.10 

49  72.71 

50  72.27 

51  71-79 

52  71.28 

53  70-64 

54  69.97 

55  69.25 

56  68.43 

57  67.51 

58  66.53 

59  65.41 

60  64.22 

61  62.85 

62  61.40 

63  59-77 

64  58.00 

65  56.06 


SELECT  AND   ULTIMATE. 

MEAN  RESERVES. 
TEN   YEAR  ENDOWMENT. 


2  Years. 

3  Years. 

4  Years. 

5  Years. 

160.93 

248.78 

340.05 

435-05 

160.90 

248.73 

340.00 

435-00 

160.90 

248.71 

339-98 

434.98 

160.85 

248.69 

339-94 

434-93 

160.80 

248.64 

339-89 

434.88 

160.78 

248.60 

339-85 

434-85 

160.75 

248.57 

339-81 

434-78 

160.71 

248.53 

339-76 

434-73 

160.68 

248.51 

339-75 

434-71 

160.63 

248.44 

339-67 

434-63 

160.58 

248.42 

339-62 

434-55 

160.52 

248.35 

339-57 

434-51 

160.45 

248.28 

339-50 

434-44 

160.40 

248.23 

339-45 

434-37 

160.36 

248.19 

339-38 

434-29 

160.27. 

248.11 

339-30 

434-19 

160.17 

248.00 

339.22 

434-11 

160.12 

247.94 

339-12 

433-98 

160.03 

247.86 

339.02 

433-88 

159-94 

247.77 

338.96 

433-77 

159.81 

247.65 

338.83 

433-65 

159-73 

247.61 

338.74 

433-51 

159.62 

247.49 

338.63 

433-38 

159-53 

247.41 

338.54 

433-25 

159-39 

247-31 

338-42 

433-09 

159.24 

247.18 

338.29 

432.92 

159-07 

247.04 

338.13 

432.70 

158.90 

246.87 

337-92 

432.43 

158.66 

246.66 

337-69 

432.12 

158.37 

246.39 

337.39 

431-75 

158.03 

246.07 

337-04 

431-32 

157-66 

245-73 

336.65 

430.83 

157-27 

245-37 

336.24 

430.30 

156.78 

244.91 

335-72 

429.68 

156.25 

244.41 

335-19 

429.03 

155-70 

243.89 

334-60 

428.29 

155-06 

243.28 

333-93 

427-47 

154-36 

242.63 

333-23 

426.50 

153-61 

241.94 

332.43 

425-58 

152.74 

241.12 

331-50 

424-46 

151.82 

240.25 

330.54 

423-27 

150.79 

239-31 

329.49 

421.98 

140.69 

238.33 

328.42 

420.59 

148.48 

237.20 

327-15 

41O-04 

147-17 

235-99 

325-83 

417-37 

145-72 

234.68 

324-33 

415-47 

COMMITTEE  OF  FIFTEEN 
STANDARD. 


The  minimum  reserve  standard  for  the  vaUiation,  only  of  policies 
which  are  by  their  terms  "preliminary  term,"  which  was  adopted  by 
the  Committee  of  Fifteen  at  its  final  meeting  in  Chicago  in  Decem- 
ber, 1906,  was  as  follows : 

Modified  Preliminary  Term,  for  all  forms  of  limited  payment  life 
policies  and  endowment  poHcies,  excepting  limited  payment  life 
policies  with  premium  payments  limited  to  a  period  of  20  years  or 
longer. 

Accordingly,  on  the  basis  of  the  American  Experience  Table  and 
33^  per  cent,  interest,  the  Modified  Preliminary  Term  reserves  al- 
ready given  apply,  except  in  the  case  of  20-payment  life,  for  which  the 
"full  preliminary  term"  reserves  are  used. 

This  standard  has  been  adopted  in  West  Virginia  and  North  Da- 
kota. 


i8i 


3'/2% 


Am.  Ex. 


COMMITTEE  OF  FIFTEEN   STANDARD. 

TERMINAL   RESERVES. 

TWENTY    PAYMENT    LIFE. 

FULL  PRELIMINARY  TERM. 


Age. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

20 

0.00 

r4-7« 

30.15 

46.13 

21 

0.00 

15.10 

30.80 

47.14 

22 

0.00 

1544 

31-49 

48.19 

23 

0.00 

15-79 

32.20 

49.27 

24 

0.00 

16.15 

32.94 

50.39 

25 

0.00 

16.52 

33-69 

51-55 

26 

0.00 

16.90 

34-48 

52.74 

27 

0.00 

^7-3^ 

35-29 

53-98 

28 

0.00 

17.71 

36.12 

55.25 

29 

0.00 

18.14 

36.99 

56.57 

30 

0.00 

18.58 

37-89 

57.93 

31 

0.00 

19.04 

38.80 

59.33 

32 

0.00 

19.50 

39-75 

60.79 

33 

0.00 

19.99 

40.74 

62.29 

34 

0.00 

20.49 

41.76 

63-83 

35 

0.00 

21.01 

42.81 

65.41 

36 

0.00 

21.54 

43-88 

67.05 

37 

0.00 

22.08 

44-99 

68.72 

38 

0.00 

22.65 

46.10 

70.46 

39 

0.00 

23-23 

47-31 

72.25 

40 

0.00 

23-84 

48.53 

74.11 

41 

0.00 

24.47 

49.80 

76.00 

42 

0.00 

25.12 

51.09 

77.95 

43 

0.00 

25-77 

52.42 

79-93 

44 

0.00 

26.46 

53-77 

81.95 

45 

0.00 

27.14 

55-13 

83-99 

46 

0.00 

27.84 

56.53 

86.04 

47 

0.00 

28.55 

57-90 

88.06 

48 

0.00 

29.24 

59-27 

90.08 

49 

0.00 

29.94 

60.64 

92.10 

50 

0.00 

30.64 

62.01 

94.12 

51 

0.00 

31-34 

63-39 

96.14 

52 

0.00 

32.06 

64.77 

98.16 

53 

0.00 

32.76 

66.16 

100.17 

54 

0.00 

33-48 

67.55 

102.19 

55 

0.00 

34.20 

68.93 

104.21 

56 

0.00 

34-93 

70.34 

106.23 

57 

0.00 

35-67 

71.75 

108.25 

58 

0.00 

36.40 

73.16 

110.24 

§9 

0.00 

37-14 

74.56 

112.23 

60 

0.00 

37.88 

75-95 

114.21 

5  Years. 

62.76 
64.13 

65.55 
67.02 

68.54 
70.10 
71-74 
73-41 
75-13 
76.92 

78-76 
80.66 
82.62 
84-65 
86.73 
88.87 
91.07 

93-34 
95.68 
98.09 
100.57 
103.12 
105.71 
108.35 
1 1 1.02 
113.70 
116.38 
119.04 
121.68 
124.32 
126.96 

129.59 
132.20 
134.80 

137-41 
140.00 
142.58 
145.13 
147.65 
150.15 
152.62 


l82 


y/i 

3MMITTEE  OF  FIFTEEN   STAND. 
TERMINAL   RESERVES. 

ARD. 

\j^i 

\  /U 

TWENTY    PAYMENT   LIFE. 

Am. 

Ex. 

FULL 

PRELIMINAR-^ 

'  TERM. 

Age. 

6  Years. 

7  Years. 

8  Years. 

9  Years. 

10  Years. 

20 

80.05 

98.04 

116.75 

136.22 

.156.48 

21 

81.79 

100.17 

119.29  ' 

139.17 

159.85 

22 

83.60 

102.38 

121.91 

142.22 

163.34 

23 

85.47 

104.66 

124.62 

145.38 

166.97 

24 

87.41 

107.02 

127.43 

148.64 

170.70 

25 

89.40 

109.46 

130.32 

152.00 

174.55 

26 

91.48 

1 1 1.99 

133-32 

155.49 

178.51 

27 

93.60 

114.58 

136.39 

159-07 

182.63 

28 

95-79 

117.26 

139-57 

162.75 

186.85 

29 

98.06 

120.03 

142.85 

166.56 

191. 19 

30 

100.40 

122.88 

146.23 

170.48 

195.67 

31 

102.81 

125.82 

149.70 

174.51 

200.26 

?>^ 

105.30 

128.84 

153.28 

178.64 

204.99 

ZZ 

107.86 

131.96 

156.96 

182.91 

209.85 

34 

110.50 

135.15 

160.74 

187.29 

214-85 

35 

113.20 

138.44 

164.63 

191.79 

219.96 

36 

115.99 

141.83 

168.63 

196.41 

225.21 

Z7 

118.85 

145-31 

172.72 

201.13 

230.50 

38 

121.82 

148.89 

176.93 

205.97 

236.03 

39 

124.85 

152.56 

181.23 

210.90 

241.50 

40 

127.97 

156.30 

185.61 

215.91 

247.22 

41 

131-15 

160.13 

190.07 

220.98 

252.88 

42 

134-39 

164.01 

194.56 

226.07 

258.5S 

43 

137.68 

167.91 

199.07 

231.18 

264.27 

44 

140.98 

171.82 

.    203.58 

236.27 

269.94 

45 

144.27 

175.72 

208.07 

241.34 

275-57 

46 

147.37 

179.62 

212.56 

246.40 

281.18 

47 

150.84 

183.48 

216.98 

251-38 

286.89 

48 

154.09 

187.31 

221.38 

256.30 

292.14 

49 

157.32 

191. 12 

225.72 

261.16 

297.50 

50 

160.55 

194.89 

230.02 

265.97 

302.78 

SI 

163.75 

.   198.63 

234.27 

270.69 

307.95 

52 

166.92 

202.33 

238.45 

275.32 

312.98 

53 

170.08 

205.99 

242.57 

279.85 

317-89 

54 

173.22 

209.61 

246.63 

284.29 

322.69 

55 

176.32 

213.17 

250.58 

288.61 

327-3  f 

56 

179.38 

216.67 

254.46 

292.81 

331.76 

57 

182.41 

220.11 

258.24 

296.85 

336.G0 

58 

185.39 

223.47 

261.89 

300.72 

340.02 

59 

188.32 

226.72 

265.39 

304.33 

343-75 

60 

191. 17 

229.86 

268.73 

307-80 

347.18 

i83 


31/^  COMMITTEE   OF  FIFTEEN   STANDARD. 
/9^^  TERMINAL   RESERVES. 

^  /^  TWENTY    PAYMENT    LIFE. 

Am.  Ex.  FULL  PRELIMINARY  TERM. 


22 


Age       II  Years.         12  Years.         13  Years         14  Years.     15  Years. 

20  177.53      ^99-45      -^-'-'-'5      •^45-97      27o.n() 

21  181.36      203.74      227.02      251.24      276.45 


185.32  208.17  231.95  256.68  282.42 

23  189.41  212.76  237.05  262.31  288.59 

24  193-63  217.49  242.30  268.11  294.94 

25  198.00  222.37  247.72  274.08  301.49 

26  202.50  227.42  253.31  280.24  3<)B-24 

2."]  207.13  232.58  259.05  286.55  315-15 

28  211.89  237.91  264.94   '  293.05  322.27 

29  216.79  243.38  271.01  299.73  329.58 

30  221.84  249.02  277.26  306.61  337'^9 

31  227.01  254.80  283.66  313-63  344-78 

32  232.34  260.74  290.23  320.86  352.65 

33  237.82  266.84  296.98  328.24  360.70 

34  243.43  273.10  303.86  335.78  368.90 

35  249.18  279.48  310.89  343.46  377.23 

36  255.06  285.99  318.05  351.26  385.66 
Z7  261.05  292.62  325.30  359.14  39-1.19 

38  267.15  299.34  332.64  367.11  402.79 

39  ^77^-7^2  306.12  340.04  375-13  411-44 

40  279.55  312.96  347.49  383.18  4?C.12 

41  285.82  319.82  354.95  391.25  42S.80 

42  292.10  326.70  362.41  399-31  437-47 

43  298.38  333.55  369.84  407.32  446.08 

44  304-61  340.35  377-20  415-25  454-60 

45  310.81  347.09  384.49  423.10  463.02 

46  316.95  353-77  391-71  430-86  471-34 

47  322.99  360.32  398.77  438.44  479-46 

48  328.94  366.76  405-71  445-87  487-36 

49  334-77  373-07  412.46  453.09  495.12 

50  340.51  37923  419.06  460.11  502.61 

51  346.09  385.17  425-45  466.93  509.81 

52  351-51  391-00  431-60  473-44  516.75 

53  356.78  396.61  437-50  479-66  523.33 

54  361-89  401.99  443-15  485-58  529.54 

55  366.76  407.09  448.46  491.09  535.31 

56  371.41  411.90  453-41  496-20  540.61 

57  375-80  416.39  457-99  500.85  545.41 

58  379-89  420.52  462.11  505.01  549.71 

59  383-64  424-21  465-75  508.67  553.51 

60  387.00  427-47  468.93  511-87  556.89 


1 84 

Oly 

'  r-*^ 

COMMITTEE 

OF  FIFTEEN 

STANDARD. 

^4 

>% 

TERMINAL   RESERVES. 

u  ^  ^ 

:  /yj 

TWENTY    PAYMENT    LIFE. 

Am. 

Ex. 

FULL  PRELIMINARY 

'  TERM. 

Age. 

16  Years. 

17  Years. 

18  Years.        ] 

[9  Years. 

20  Years. 

20 

296.36 

■323-09 

'350.93 

379-89 

410.03 

21 

302.67 

329.97 

358.37 

387-93 

418.69 

22 

309.19 

337-05 

366.04 

396.21 

427.62 

23 

315-92 

344-37 

373-96 

404.76 

436.81 

24 

322.86 

351-89 

382.11 

413-55 

446.28 

25 

329.99 

359-65 

390.50 

422.61 

456.00 

26 

337-35 

367.60 

399-11 

431-88 

466.00 

27 

344-89 

375-82 

407.96 

441-43 

476.26 

28 

352.65 

384.23 

417.08 

451.24 

486.77 

29 

360.60 

392.85 

426.38 

461.25 

497-52 

30 

368.78 

401.71 

435-93 

471-51 

508.49 

31 

377.12 

410.73 

445-65 

481.94 

519-67 

32 

385-67 

419.95 

455-57 

492.57 

531-04 

33 

394-38 

429.35 

465-65 

503-37 

542.58 

34 

403-25 

438.89 

475-89 

514-33 

554-30 

35 

412.23 

448.55 

486.25 

525-41 

566.15 

36 

421.33 

458.32 

496.72 

536.62 

578.13 

37 

430.50 

468.17 

507.26 

547-91 

590.22 

38 

439-76 

478.09 

517-90 

559.28 

602.39 

39 

449.05 

488.06 

528.57 

570.71 

614-63 

40 

458.38 

498.05 

539-26 

582.17 

626.92 

41 

467.69 

508.03 

549-96 

59364 

639.24 

42 

476.99 

518.00 

560.64 

605.09 

651-55 

43 

486.20 

527.87 

571.26 

616.46 

663.83 

44 

495-36 

537-68 

581.75 

627.78 

d^^iXiy 

45 

504.38 

547-35 

592.13 

638.99 

688.24 

46 

513-29 

556.90 

602.37 

650.07 

700.30 

47 

521.95 

566.23 

612.46 

660.97 

712.23 

48 

530.49 

575-37 

622.31 

671.68 

724.01 

49 

538.75 

584-23 

631.90 

682.18 

735-60 

50 

546.77 

592.80 

641.20 

692.38 

746.98 

51 

554-45 

601.08 

650.22 

702.29 

758.13 

52 

561.82 

609.02 

658.83 

711.89 

769.04 

53 

568.81 

616.54 

667.07 

721.13 

779.72 

54 

575-41 

623.61 

674.88 

730.03 

790.18 

55 

581.50 

630.24 

682.28 

738.58 

800.48 

56 

587.11 

636.36 

689.24 

746.85 

810.62 

57 

592.22 

642.03 

695.81 

754-79 

820.64 

58 

596.85 

647.26 

702.02 

762.46 

830.54 

59 

601.01 

652.05 

l^l-ll 

769.83 

840.32 

60 

604.75 

656.43 

713.21 

776.88 

849.97 

i85 


3Jy^^  COMMITTEE   OF  FIFTEEN   STANDARD. 
/r%ylf\  MEAN  RESERVES. 

^  /^  TWENTY  PAYMENT  LIFE. 

Am.  Ex.  FULL  PRELIMINARY  TERM. 


Age. 

I  Year. 

2  Years. 

3  Years 

4  Years. 

5  Years. 

20 

Z-77 

1.S.27 

33-34 

49.02 

65-32 

21 

3-79 

18.61 

34.01 

50.03 

66.69 

22 

3.82 

18.96 

34-70 

51.08 

68.11 

23 

3.84 

19-33 

35-43 

52.17 

69.58 

24 

3-87 

19.71 

36.18 

53-30 

71.10 

25 

3-89 

20.10 

36.95 

54-46 

72.67 

26 

3-93 

20.51 

37-75 

55-67 

74.30 

27 

3-96 

20.94 

38-58 

56.91 

75-97 

28 

3-99 

21.37 

39-43 

58.20 

77.71 

29 

4-03 

21.83 

40.32 

59-54 

79-50 

30 

4.07 

22.30 

41.25 

60.92 

81.36 

31 

4.11 

22.79 

42.19 

62.34 

83-27 

32 

4.16 

23-30 

43-17 

63.82 

85-25 

33 

.1.21 

23-83 

44.20 

65-35 

87-30 

34 

4.27 

24-38 

45.26 

66.93 

89.42 

35 

4-32 

24-95 

46.35 

68.56 

91-59 

36 

4-39 

25-54 

47-48 

70-24 

93-83 

37 

4.46 

26.15 

48.65 

71.97 

96.14 

38 

4-54 

26.80 

49.86 

72>-77 

98-54 

39 

4-63 

27.46 

51.12 

75.62 

101.02 

40 

4-73 

28.16 

52.43 

77-56 

103-58 

41 

4.83 

28.88 

53-78 

79-55 

106.21 

42 

4-95 

29.64 

55-19 

81.61 

108.92 

43 

5-08 

30.43 

56.64 

83-72 

1 1 1.69 

44 

5-23 

3 1 .26 

58.14 

85.89 

114.52 

4| 

5-39 

32.11 

59.68 

88.10 

"7-39 

46 

5-58 

33-01 

61.27 

90.37 

120.30 

47 

5.80 

33-94 

62.89 

92.65 

123.21 

48 

6.04 

34.90 

64-53 

94.95 

126.16 

49 

6.33 

35-89 

66.21 

97.29 

129.13 

50 

6.65 

36.93 

67.94 

99.68 

132.15 

51 

7.02 

38.02 

69.71 

102. 1 1 

135.21 

52 

^•53 

39-15 

71-54 

104.59 

138.30 

53 

7.89 

40.34 

73-42 

107.12 

141.44 

54 

8.40 

41.59 

75-36 

109.71 

144-65 

55 

8.97 

42.90 

77-?>7 

112.37 

147-90 

56 

9.60 

44.28 

79-45 

1 1 5. 1 1 

151.22 

57 

10.31 

45.75 

81.63 

1 17.91 

154.60 

58 

11.08 

47.29 

83.87 

120.79 

158.04 

59 

11.94 

48.93 

86.21 

123.75 

161.55 

60 

12.89 

50.66 

88.64 

126.80 

165.14 

[86 


y/, 

i%     " 

3MMITTEE  OF  FIFTEEN   STAND 
MEAN  RESERVES. 

ARD. 

u^-^ 

'  /CI 

TWENTY    PAYMENT 

'   LIFE. 

Am. 

Ex. 

FULL 

PRELIMINARY 

TERM. 

Age. 

6  Years. 

7  Years. 

8  Years. 

9  Years. 

10  Years. 

20 

82.28 

99.92 

118.27 

137-36 

157.22 

21 

84.02 

102.04 

120.78 

140.28 

160.56 

22 

85.81 

104.23 

123.38 

143-30 

164.02 

23 

87.68 

106.50 

126.08 

146.43 

167.61 

24 

89.61 

108.85 

128.86 

149.67 

171.30 

25 

91-59 

111.27 

131-73 

153-00 

175.12 

26 

93.66 

113-79 

134-71 

156.46 

179.07 

27 

95-78 

116.37 

^37-77 

160.01 

183-13 

28 

97.98 

119.04 

140.93 

^5^-^? 

187.32 

29 

100.25 

121.80 

144.19 

167.46 

191.64 

30 

102.59 

124.65 

147-57 

171-37 

196.09 

31 

105.01 

127-59 

15103 

175-38 

200.66 

32 

107.51 

130.62 

154.61 

179-51 

205.37 

33 

110.09 

133-74 

158.29 

183-77 

210.22 

34 

112.75 

136.96 

162.08 

188.15 

215.20 

35 

115.48 

140.27 

165.98 

192.66 

220.32 

36 

118.30 

143-68 

170.00 

197.29 

225.58 

37 

121.21 

147.19 

174-13 

202.04 

230.96 

38 

124.22 

150.82 

178.38 

206,92 

236.47 

39 

127.31 

154-55 

182.74 

211.91 

242.09 

40 

130-51 

158.37 

187.20 

217.00 

247.80 

41 

133-78 

162.29 

191-75 

222.17 

253-58 

42 

137-14 

166.29 

196.37 

227.40 

259.41 

43 

140.56 

170.34 

201.04 

232.67 

265.27 

44 

144-03 

174-43 

205.73 

237.96 

271.14 

45 

147-53 

178.54 

210.44 

243-25 

277.00 

46 

151.06 

182.68 

215.18 

248.56 

282.88 

47 

154.60 

186.82 

219.90 

253-84 

288.70 

48 

158.16 

190.98 

224.62 

259.11 

294-49 

49 

161.74 

195-14 

229.34 

264.36 

300.25 

50 

165-36 

199-33 

234.07 

269.60 

305-98 

51 

169.01 

203.53 

238.79 

274.82 

311.66 

52 

172.68 

207.75 

243-51 

280.01 

317.27 

53 

176.40 

211.99 

248.24 

285.17 

322.83 

54 

180.16 

216.26 

252.97 

290.31 

328.34 

55 

183.96 

220.54 

257-67 

295-39 

333-7^ 

56 

187.80 

224.84 

262.38 

300.45 

339-10 

57 

191.68 

229.17 

267.09 

305-46 

344-34 

58 

195.61 

233-52 

271.77 

310.40 

349-46 

59 

199.60 

237.88 

276.42 

315-24 

354-42 

60 

203.62 

242.24 

281.02 

319-99 

359-21 

i87 


31  y  COMMITTEE  OF  FIFTEEN   STANDARD. 
/r)Qf\  MEAN  RESERVES. 

Z  /U  TWENTY    PAYMENT    LIFE. 

Am.  Ex.  FULL  PRELIMINARY  TERM. 


Age. 

II  Years 

12  Years. 

13  Years. 

14  Years. 

15  Years. 

20 

177-87 

199-37 

221.73 

,244.99 

269.19 

21 

181.66 

203.61 

226.44 

250.19 

274.90 

22 

185.57 

207.99 

231.30 

255-56 

280.79 

23 

189.62 

212.52 

236.34 

261.11 

286.88 

24 

193.80 

217.20 

241.53 

266.84 

293.16 

25 

198.11 

222.03 

246.89 

272.74 

299.62 

26 

202.58 

227.02 

252.42 

278.84 

306.30 

27 

207.16 

232.14 

258.10 

285.08 

313-13 

28 

211.89 

237-41 

263.94 

291.51 

320.17 

29 

216.75 

242.84 

269.95 

298.13 

327-41 

30 

221.77 

248.44 

276.15 

304.95 

334-86 

31 

226.91 

254.18 

282.50 

311.92 

342.48 

32 

232.21 

260.09 

289.04 

319.09 

350.30 

33 

237.67 

266.17 

295.75 

326.44 

358.30 

34 

243-27 

272.40 

302.61 

333-96 

366.48 

35 

249.02 

278.78 

309.63 

341.62 

374-79 

36 

254.91 

285.30 

316.79 

349-43 

383-23 

37 

260.92 

291.94 

324.07 

357-33 

391-78 

38 

267.06 

298.71 

331.46 

365-34 

400.42 

39 

273.30 

305.57 

338.93 

373-43 

409.13 

40 

279.62 

312.49 

346.46 

381.57 

417.89 

41 

286.00 

319.47 

354.04 

389.75 

426.68 

42 

292.43 

326.49 

361.64 

397-94 

435-47 

43 

298.87 

333-51 

369.24 

406.13 

444.25 

44 

305.3  ^ 

340.51 

376.81 

414-25 

452.95 

45 

311.73 

347.49 

384.33 

422.34 

461.60 

46 

318.15 

354.45 

391.82 

430.37 

470.19 

47 

324.50 

361.32 

399.21 

438-27 

478.61 

48 

330.81 

368.12 

406.51 

446.06 

486.91 

49 

337.06 

374.84 

413.69 

453-70 

495.03 

50 

34325 

381.48 

420.75 

461.21 

503.00 

51 

349.36 

387.99 

.427.67 

468.53 

510.74 

52 

355-37 

394.38 

434.42 

475-64 

518.22 

53 

361.29 

400.65 

441.01 

482.54 

525.45 

54 

367.13 

406.78 

447.41 

489.21 

532.41 

55 

372.84 

412.72 

453-57 

495-57 

539-00 

56 

378.40 

418.48 

459.48 

501.63 

545-23 

57 

383.82 

424.01 

465.10 

507.33 

551-05 

58 

389.04 

429.30 

470.41 

512.65 

556.45 

59 

394.05 

434.28 

475-34 

517-57 

561.45 

60 

398.81 

438.95 

479-92 

522.13 

566.10 

i88 

|%|  y^  COMMITTEE   OF  FIFTEEN  STANDARD. 

t/)Qfl  MEAN  RESERVES. 

U     Z  /U  TWENTY    PAYMENT    LIFE. 

Am.  Ex.  FULL  PRELIMINARY  TERM. 


Age.       1 6  Years.  17  Years.  18  Years.  19  Years.  20  Years. 

20  294.39  320.60  347-89               37^-29  405-84 

21  300.62  327-38  355-23               384-21  414-37 
307-05  334-36  362.79              392-37  423-16 


'>  00 


22  ^  .     ^  ^ 

23  313-69  341-58  370-66  400.79  432 

24  320.53  349-01  378-64  409-46  441-55 

25  327.58  356.66  386.91  418.39  451-15 

26  334.85  364.55  395.45  427-59  461.02 

27  342-30  372.64  404-19  437-OI  471-15 

28  349-97  380.95  413-17  446.68  481.52 

29  357-85  38948  422.38  456.57  492.14 

30  365-95  398.26  431.83  466.73  503.01 

31  374.22  407.20  441.46  477-07  514-08 

32  382.71  416.36  451-31  487-62  525.35 

33  391-38  425-70  461-34  498.35  536.81 

34  400.21  435-20  471-52  509-24  548.45 

35  409-17  444-84  481-84  520.28  560.23 

36  418.27  454.60  492.29  531.44  572.15 

37  427-46  464-45  502.83  542.70  584.18 

38  436.74  474-40  513-47  554-06  596.31 

39  446.09  484.40  524.16  565.48  608.51 

40  455-48  494-45  534-89  576.95  620.78 

41  464.90  504.51  54565  588.45  633.09 

42  474-31  514-58  556.41  599-95  645.41 

43  483-70  524-61  567-12  611.42  657.71 

44  493-01  534-55  577-75  (^22.79  669.96 

45  502.25  544.41  588.28  634.10  682.16 

46  511.40  554.18  598.74  645.30  694.29 

47  520.38  563.77  609.01  656.39  706.28 

48  529.22  573-20  619. 1 1  667.28  718.13 

49  537-86  582.41  628.99  677.96  729.81 

50  546.30  591-42  638.65  688.40  74T-31 

51  554-51  600.14  648.02  698.60  752.58 

52  562.41  608.54  657.05  708.49  763.59 

53  570.02  616.63  665.76  718.06  774.38 

54  577-32  624.35  674.09  727.30  784.97 

55  584.21  63  T. 67  682.06  736.24  795.34 

56  590.68  638.55  689.62  744.86  805.55 

57  596.73  645.04  696.83  753-23  815.64 

58  602.37  65T.T5  70374  761.33  ^2^.62 

59  607.62  656.89  7T0.27  769.16  835.46 

60  612.54  662.3T  716.54  776.77  845.15 


3'/2% 


Am.  Ex. 

ILLINOIS  STANDARD. 


The  minimum  standard  of  preliminary  term  valuation,  adopted  by 
the  legislature  of  Illinois,  is  as  follows: 

Life,  preliminary  term. 

Limited  payment  life,  with  premiums  for  20  years  or  longer,  pre- 
liminary term. 

Limited  payment  life,  with  premiums  for  less  than  20  years,  and 
all  endowments,  preliminary  term  to  the  extent  of  a  portion  of  the  first 
year's  premium,  equal  to  the  20  payment  life  premium  for  the  same 
age. 


191 


3'/2% 


Am.  Ex. 


ILLINOIS  STANDARD. 

TERMINAL  RESERVES. 

FIFTEEN  PAYMENT  LIFE. 


Age. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

21 

4.92 

25.16 

46.22 

68.15 

90.98 

22 

5.00 

25.66 

47-15 

69-53 

92.82 

23 

5-o8 

26.17 

48.11 

70.95 

94-73 

24 

5-16 

26.70 

49.11 

72.42 

96.70 

25 

5-25 

27.24 

50.12 

73-95 

98.72 

26 

5-33 

27.80 

51.18 

75-51 

100.84 

27 

542 

28.39 

52.28 

77-14 

103..01 

28 

5-51 

28.98 

53-40 

78.80 

105.24 

29 

5-61 

29.61 

54-57 

80.54 

107.55 

30 

571 

30-25 

55-78 

82.31 

109.93 

31 

5-81 

30.91 

57.00 

84-45 

112.39 

32 

591 

31-58 

58.27 

86.05 

114.91 

33 

6.01 

32.28 

59-59 

88.00 

117.52 

34 

6.12 

33-00 

60.95 

89-99 

120.19 

35 

6.23 

33-74 

62.34 

92.04 

122.93 

36 

6.33 

34-49 

63-75 

94-15 

125.74 

37 

6.44 

35-26 

65-21 

96.30 

128.62 

38 

6.55 

36.05 

66.70 

98.52 

131-58 

39 

6.66 

36.86 

68.23 

100.80 

134.62 

40 

6.77 

37-70 

69.80 

103.14 

137-73 

41 

6.88 

38.56 

71.42 

105.51 

140.90 

42 

6.99 

39-43 

73.06 

107.94 

144.12 

43 

7.10 

40.30 

74-73 

110.40 

147-38 

44 

7.20 

41.21 

76.42 

112.89 

150.67 

45 

/■31 

42.10 

78.11 

"5-39 

153-95 

46 

7.40 

43.00 

79-83 

117.89 

157-22 

47 

7-49 

43-90 

81.50 

120.34 

160.45 

48 

7-58 

44-77 

83.16 

122.77 

163.64 

49 

7-65 

45-63 

84-79 

125.16 

166.78 

50 

7.72 

46.48 

86.39 

127.52 

i6c).89 

51 

7.78 

47-30 

87-97 

129.83 

172.93 

52 

7.82 

48.11 

89.50 

132.08 

175.88 

53 

7.84 

48.87 

91.00 

U4-27 

178.75 

54 

7-85 

49.61 

92-45 

136.40 

181.54 

55 

7.83 

50.32 

93.83 

138.45 

184.22 

56 

7.80 

50.99 

95-17 

140.42 

186.79 

57 

7-74 

51-63 

96.45 

142.30 

189.22 

58 

7.66 

52.20 

97-66 

14405 

191.50 

59 

7-55 

52-74 

98-78 

145.71 

193-64 

60 

7.42 

53-23 

99-81 

147-25 

195.62 

J92 

^  ^    .  ILLINOIS  STANDARD. 

\  /iOrk  TERMINAL   RESERVES. 

U  ^2  /t/  FIFTEEN  PAYMENT  LIFE. 
Am.  Ex. 


Age. 

6  Years. 

7  Years. 

8  Years. 

9  Years. 

10  Years. 

21 

114-73 

139-47 

165.23 

192.04 

219.96 

22 

117.06 

142.31 

168.58 

195-94 

224.42 

23 

119.47 

145.22 

172.04 

199.97 

229.04 

24 

121.96 

148.25 

175-63 

204.12 

233.80 

25 

124.52 

151-37 

179.32 

208.41 

238.71 

26 

127.19 

154.60 

183-15 

212.85 

243-75 

27 

129.92 

157-93 

187.08 

217.44 

249.02 

28 

132-74 

161.36 

191.15 

222.14 

254-41 

29 

135-66 

164.91 

195-.34 

227.01 

259-97 

30 

138.66 

168.56 

199.66 

232.01 

265.69 

31 

141.76 

172.32 

204.09 

237.16 

271.56 

32 

144-95 

176.18 

208.67 

242.45 

277.61 

33 

148.22 

180.16 

213.36 

247-89 

283.82 

34 

151-59 

184.22 

218.17 

253-47 

290.21 

35 

155-03 

188.40 

223.11 

259-20 

296.72 

36 

158.57 

192.70 

228.19 

265.07 

30343 

37 

162.20 

197.10 

233-37 

271.06 

310.25 

38 

165-93 

201.61 

238.68 

277.20 

317.21 

39 

169.75 

206.23 

244.10 

^l^-n 

324-31 

40 

173-64 

210.91 

249.61 

289.78 

331-49 

41 

177..61 

215.70 

255-21 

296.21 

338.74 

42 

181.63 

220.53 

260.85 

302.65 

346.04 

43 

185.70 

225.39 

266.51 

309-14 

353-36 

44 

189.78 

230.26 

272.19 

315-62 

360.68 

45 

193-84 

235-11 

277-84 

322.09 

367.98 

46 

197.89 

239-94 

283.47 

328.53 

375-25 

47 

201.89 

244-72 

289.02 

334-89 

382.44 

48 

205.85 

249-45 

294-53 

341-19 

389-56 

49 

209.73 

254.09 

299.93 

347-36 

396.54 

50 

213-58 

258.66 

305-24 

353-44 

403.42 

51 

2^7-33 

263.13 

310.43 

359-38 

410.13 

52 

220.97 

267.46 

315-46 

365-12 

416.61 

53 

224-53 

271.68 

320.34 

370.68 

422.90 

54 

227.95 

275-74 

325-04 

376.03 

428.95 

55 

231.24 

279.62 

329-51 

^^'■'i 

434.72 

56 

23437 

283.31 

333-77 

385-98 

440.18 

57 

237-34 

286.80 

33778 

390.51 

445-28 

58 

240.12 

290.06 

341-49 

394.69 

450.01 

59 

242.71 

29304 

344-87 

398.50 

454.28 

60 

245.06 

295-74 

347-92 

401.87 

458.06 

193 


f%\y^^^  ILLINOIS  STANDARD. 

1/9^1  TERMINAL   RESERVES. 

U     Z  /L/  FIFTEEN  PAYMENT  LIFE. 

Am.  Ex. 


Age 

II  Years. 

12  Years. 

13  Years 

14  Years. 

15  Years. 

21 

249.03 

279.32 

310.86 

343-71 

377-95 

22 

254.09 

284.98 

317-16 

350-67 

385-60 

23 

25930 

290.82 

323-66 

357-86 

393-49 

24 

264.68 

296.86 

330.37 

365-28 

401.63 

^5 

270.25 

303.09 

337-29 

372-92 

410.03 

26 

275-98 

309-52 

344-43 

380.80 

418.69 

27 

281.91 

316.15 

351-81 

388.93 

427.62 

28 

288.00 

322.97 

359-37 

397-30 

436.81 

29 

294.28 

330.00 

367.19 

405.92 

446.28 

30 

300.74 

337.22 

375-21 

414-79 

456.00 

31 

307-37 

344-65 

383-46 

423.88 

466.00 

32 

314.20 

352.29 

391-94 

433-25 

476-25 

33 

321.22 

360.13 

400.65 

442.83 

486.77 

34 

328.41 

368.18 

409-55 

452.64 

497-52 

35 

335-77 

376.39 

418.65 

462.66 

508.49 

36 

343-31 

384.79 

427.96 

472.89 

519-67 

37 

350.99 

393-35 

437-41 

483-27 

53104 

38 

358.81 

402.05 

447-02 

493-82 

542.58 

39 

366.76 

410.87 

456.76 

504-53 

554.30 

40 

374-79 

419.80 

466.61 

515-33 

566.15 

41 

382.91 

428.80 

476.55 

526.27 

578.13 

42 

391.06 

437-86 

486.54 

537-27 

590.22 

43 

399-26 

446.95 

496.59 

548-34 

602.39 

44 

407-44 

456.05 

506.66 

559-44 

614.63 

45 

415.62 

465.14 

516.72 

570.57 

626.92 

46 

423-75 

474.20 

526.76 

581.68 

639.24 

47 

431.81 

483.17 

536.74 

592.76 

651-55 

48 

439-80 

492.08 

546.66 

603.81 

663.83 

49 

447.62 

500.83 

556.41 

614.69 

676.07 

50 

455-35 

509.47 

566.07 

625.49 

688.24 

51 

462.88 

517.86 

575-55 

636.19 

700.30 

52 

470.18 

526.10 

584-77 

646.62 

712.23 

53 

477-26 

534-09 

593-78 

656.86 

724.01 

54 

484.09 

541-78 

602.51 

666.87 

735-60 

55 

490.59 

549-15 

610.92 

676.57 

746.98 

56 

496.75 

556.14 

618.95 

685.95 

758-13 

57 

502.52 

562.74 

626.61 

694.98 

769.04 

58 

507.87 

568.88 

633-79 

703.63 

779.72 

59 

512.73 

574-50 

640.50 

711.88 

790.18 

60 

517-05 

579-59 

646.71 

719.76 

800.48 

m 


3'/2% 


Am.  Ex. 


ILLINOIS  STANDARD. 
TERMINAL   RESERVES. 
TEN  PAYMENT  LIFE. 


Age. 

I  Year. 

2  Years. 

21 

15.02 

45-80 

22 

15.26 

46.63 

23 

15-51 

47-48 

24 

1576 

48.36 

25 

16.03 

49-27 

26 

16.30 

50.21 

27 

16.58 

51-19 

28 

16.87 

52.18 

29 

17.17 

53-22 

30 

1747 

54-29 

31 

17.79 

55-40 

32 

18.11 

56.53 

33 

18.45 

57-71 

34 

18.79 

58.91 

35 

19.14 

60.15 

36 

19.50 

61.42 

37 

19.87 

62.71 

38 

20.24 

64-05 

39 

20.62 

65.41 

40 

21.00 

66.81 

41 

21.39 

68.24 

42 

21.78 

69.70 

43 

22.18 

71.16 

44 

22.58 

72.67 

45 

22.97 

74.18 

46 

23-36 

75-69 

47 

23.76 

77.22 

48 

24.14 

78.71 

49 

24.51 

80.19 

50 

24.87 

81.65 

51 

25.21 

83.08 

52 

25-53 

84.49 

S3 

25-83 

85.82 

54 

26.09 

87.12 

26.32 

88.35 

56 

26.51 

89-51 

57 

26.65 

90.60 

58 

26.74 

91-57 

59 

26.78 

92.46 

60 

26.76 

93.22 

3  Years.  4  Years.   5  Years. 

77.85  1 1 1.25  146.05 

79.29  113.33  148.79 

80.77  115-46  151-61 
82.31  117.68  154-53 
83.89  119-97  157-54 
85.54  122.33  160.68 
87.23  124.78  163.89 
88.97  127.29  167.21 

90.78  129.90  170.65 
92.65  132.58  174.19 
94-56  135-35  177-85 
96.54  138.22  181. 61 
98.58  141. 16  185.50 

100.68  144.18  189.49 

102.85  147-29  193-59 

105.05  150.49  197.80 

107.33  153-76  202.13 

109.65  1 57- 12  206.56 

112.04  160.57  21 1. II 

114.48  1 64. 1 1  215.76 

116.99  167.71  220.53 

"9-53  171-39  225.36 

122.12  175-12  230.28 

124.75  178.91  235.26 

127.39  182.73  240.27 

130.07  186.56  245.29 

132.72  190-38  250.32 

135-35  194.17  255.31 

137.96  197.95  260.28 
140.54  201.68  265.22 
143.09  205.37  270.10 

145.58  208.99  274.89 
148.01  212.52  279.58 
150.35  215.95  284.15 

152.59  219.27  288.59 
154.75  222.45  292.86 
156.78  225.47  296.92 
158.68  228.29  300.7s 
160.41  230.92  304.35 

161.97  2SZS2  307-67 


195 


3'/2% 


Am.  Ex. 


ILLINOIS  STANDARD. 

TERMINAL   RESERVES. 

TEN  PAYMENT  LIFE. 


Age.  6  Years.  7  Years.  8  Years.  9  Years.  10  Years. 

21  182.30  220.08  259.46  300.50  343-28 

22  185.73  224.23  264.36  306.17  34976 

23  189.26  228.50  269.40  312.03  356.46 

24  192.92  232.92  274.63  318.09  36339 

25  196.70  237.50  280.03  324.35  370.55 

26  200.63  242.25  285.63  330.84  377-95 

27  204.65  247.11  291.37  337.51  385.60 

28  208.80  252.15  297.32  344.39  393.49 

29  213.11  257.36  303.46  351.53  401.63 

30  217.54  262.71  309-79  358.86  410.03 

31  222.12  268.26  316.32  366.44  418.69 

32  226.84  273.95  323-06  374-24  427-62 

33  231.69  279.83  329.99  382.28  436.81 

34  236.69  285.86  337.12  390.55  446.28 

35  241.82  292.07  ,  344.45  399.05  456.00 

36  247.09  298.45  351-98  407-79  466.00 
Z7  252.50  305.00  359.71  416.76  476.26 

38  258.07  311.72  367.64  425.95  486.77 

39  263.75  318.60  375.75  435-35  497-52 

40  269.58  325.62  384.03  444.94  508.49 

41  275.52  332.80  392.49  454.73  519.67 

42  281.55  340.09  401.07  464.65  531.04 

43  287.69  347.47  409.77  474-74  542-58 

44  293.90  354.95  418.58  484.95  554.30 

45  300.14  362.47  427-45  495-26  566.15 

46  306.40  370.03  436.39  505.66  578.13 

47  312-67  377.62  445.36  516.13  590.22 

48  318.92  385.19  454.34  526.63  602.39 

49  325-15  -h^^-J^  463-33  537-17  614.63 

50  331.35  400.28  472.29  547.70  626.92 

51  337-47  407-74  481-21  558.23  639.24 

52  343.51  415.12  490.06  568.70  651.55 

53  349-45  422.39  498-79  579-o8  663.83 

54  355-24  429-51  507-39  589-36  676.07 

55  360.67  436.46  515.81  599.52  688.24 

56  366.30  443-20  524.05  609-50  700.30 

57  371-51  449-71  532-05  619.27  712.23 

58  376.47  455.94  539.77  628.80  724.01 

59  381-14  461.85  547.18  638.05  735.60 

60  38549  467-41  554-24  646.99  746.98 


196 

f^i    J  ILLINOIS  STANDARD. 

'%/>Qfl  TERMINAL  RESERVES. 

W     ^  /^  TWENTY  YEAR  ENDOWMENT. 
Am.  Ex, 

3  Years. 

89.24 
88.95 
88.64 
88.34 
88.01 
87.69 

87.35 
87.00 
86.65 
86.30 
85.92 
85-56 
85.20 
84.83 

84.47 
84.10 

8374 
83-39 
83.06 

82.75 
82.47 
82.20 
81.96 

81.73 

81.52 

81.35 
81.16 
80.99 
80.83 
80.70 
80.61 
80.56 

80.55 
80.60 
80.68 


Age. 

I  Year. 

2  Years. 

21 

18.66 

53-23 

22 

18.34 

52.92 

23 

18.02 

52.61 

24 

17.68 

52.29 

25 

17-34 

51.95 

26 

16.98 

51.61 

27 

16.62 

51-27 

28 

16.24 

50.89 

29 

15-85 

50.53 

30 

15-45 

50.15 

31 

15-03 

49-77 

32 

14.61 

49-37 

33 

14.18 

48.98 

34 

13-74 

48.57 

35 

13.28 

48.17 

36 

12.82 

47.76 

37 

12.35 

47-34 

38 

11.87 

46.94 

39 

11-39 

46.53 

40 

10.90 

46.13 

41 

10.40 

45.75 

42 

9.90 

45-38 

43 

9.40 

45.00 

44 

8.89 

44.67 

45 

8.39 

44-32 

46 

7-89 

43-99 

47 

7.39 

43-68 

48 

6.89 

43-36 

49 

6.40 

43.06 

50 

5-92 

42.78 

SI 

5-45 

42.52 

52 

4-99 

42.30 

53 

4-54 

42.09 

54 

4.1 1 

41.93 

55 

3-70 

41.81 

4  Years. 

5  Years. 

126.77 

165.88 

126.49 

165.60 

126.19 

165.32 

125.89 

165.02 

125-58 

164.71 

125.26 

164.42 

124.94 

164.10 

124.60 

163.77 

124.26 

163.45 

123-93 

163.13 

123-58 

162.80 

123.24 

162.47 

122.91 

162.16 

122.57 

161.84 

122.23 

161.54 

121.91 

161.24 

121.58 

160.97 

121.30 

160.73 

121.03 

160.51 

120.81 

160.34 

120.59 

160.21 

120.42 

160.09 

120.27 

160.02 

120.15 

159.96 

120.05 

159.92 

119.97 

159.89 

119.87 

159-85 

119.79 

159.82 

119.74 

159.82 

119.72 

159.87 

119.74 

159-95 

1 19.81 

160.08 

119.93 

160.26 

120.12 

160.53 

120.37 

160.87 

197 


3'/2% 


Am.  Ex. 


ILLINOIS  STANDARD. 

TERMINAL  RESERVES. 

TWENTY  YEAR  ENDOWMENT. 


Age 

6  years. 

7  Years. 

21 

206.63 

249.11 

22 

206.36 

248.84 

23 

206.08 

248.57 

24 

205.80 

248.28 

25 

205.50 

248.00 

26 

205.22 

247.72 

27 

204.90 

247.41 

28 

204.58 

247.11 

29 

204.27 

246.81 

30 

203.96 

246.50 

31 

203.64 

246.20 

32 

203.37 

245.90 

33 

203.04 

245.61 

34 

202.74 

245-31 

35 

202.45 

245-05 

36 

202.19 

244.80 

37 

201.94 

244.58 

38 

201.75 

244.41 

39 

201.57 

244.27 

40 

201.44 

244-15 

41 

201.34 

244.09 

42 

201.28 

244.04 

43 

201.25 

244.00 

44 

201.22 

243.96 

45 

201.19 

243.92 

46 

201.18 

243.88 

47 

201.15 

243-84 

48 

201.14 

243-79 

49 

201.14 

^A?>-77 

50 

201.20 

243-77 

51 

201.29 

243.82 

52 

201.42 

243.90 

53 

201.62 

244.05 

54 

201.90 

244.26 

55 

202.24 

244-53 

8  Years.  9  Years.     10  Years. 

293-40  339-56  387.68 

293-13  339-29  387-41 

292.86  339-03  387-17 

292.58  338.76  386.90 

292.30  338.48  386.63 

292.03  338.21  386.33 

291-73  337-92  386.07 

291-43  337-61  385.77 

291-13  337-32  385.47 

290.83  337.02  385.17 

290.53  zz^-i^  384-87 

290.23  336.42  384-57 

289.95  336.14  384-29 
289.67  335-87  384-02 

289.41  335-61  383.75 
289.18  335.39  383-53 

288.96  335.18  383.30 
288.80  33501  383.12 

288.67  334-87  382.94 
288.56  334-74  382.78 
288.49  334-63  382.60 

288.42  334.51  382.42 
288.35  334-39  382.21 
288.28  33424  381.96 
288.18  334.07  381.68 
288.10  333.90  381.40 
287.98  333-69  381.06 
287.87  333.46  380.69 
287.76  333-23  380.31 

287.68  333-03  379-93 
287.63  332.82  379.54 
287.60  332.64  379-12 
287.63  332.47  378.73 
287.72  332-36  378.37 
287.83  332.28  378.00 


:t96 


3'/2% 


Am.  Ex. 


ILLINOIS  STANDARD. 

TERMINAL  RESERVES. 

TWENTY  YEAR  ENDOWMENT. 


Age. 

II  Years. 

12  Years. 

13  Years. 

14  Years. 

21 

437-86 

490.20 

544-79 

601.73 

22 

437.60 

489.94 

544-54 

601.50 

23 

437-35 

489.70 

544-31 

601.29 

24 

437-09 

489.45 

544.06 

601.05 

25 

436.84 

489.19 

543-81 

6oo.8i 

26 

436.57 

488.94 

543-56 

600.56 

27 

436.29 

488.64 

543-28 

600.28 

28 

435-98 

488.35 

542.97 

599-99 

29 

435-68 

488.04 

542.67 

599.69 

30 

435-39 

487-75 

542.38 

599.40 

31 

43507 

487-43 

542.06 

599-07 

32 

434-77 

487.12 

541.74 

598.77 

33 

434-49 

486.83 

541.45 

598.46 

34 

434.20 

486.55 

541-13 

598.12 

35 

433-94 

486.26 

540.83 

597-79 

36 

433-69 

485.98 

540.52 

597.46 

37 

433-44 

485-70 

540.19 

597.07 

38 

433-22 

485-43 

539-86 

596.68 

39 

432.99 

485.13 

539-49 

596.25 

40 

432.76 

484.82 

539-11 

595.76 

41 

432-51 

484.47 

538.66 

595.24 

42 

A?>2.2^ 

484.10 

538.18 

594.66 

43 

431-93 

483.68 

537.64 

594.01 

44 

431-56 

483.19 

537-02 

593-26 

4| 

431-17 

482.65 

536.33 

592-43 

46 

430.74 

482.07 

535.60 

591.55 

47 

430-24 

48 1 .40 

534.75 

590.53 

4B 

429.71 

480.67 

533.83 

589.43 

49 

429.12 

479.89 

532.82 

588.20 

50 

428.54 

479-07 

531-75 

586.89 

51 

427.91 

478.13 

530.^1 

585.51 

52 

427-25 

477-23 

529.36 

583.97 

53 

426.58 

476.26  . 

528.04 

582.32 

54 

425.92 

47524 

526.66 

580.58 

55 

425.20 

474-13 

525.13 

578.63 

15  Years. 

661.17 
660.94 
660.74 
660.51 
660.29 
660.06 
659-79 
659-50 
659-22 

658.93 
658.62 
658.30 
658.00 
657-65 
657.30 
656.92 
656.50 
656.06 
655-56 
655-02 
654.42 
65376 
653-01 
652.17 
651.22 
650.22 
649.07 
647.76 
646.41 
644.91 
643-26 
641.52 
639.59 
637.51 
635.21 


3'/2% 


Am.  Ex. 


ILLINOIS  STANDARD. 

TERMINAL  RESERVES. 

TWENTY  YEAR  ENDOWMENT. 


199 


Age. 
21 

2.2 
23 
24 
25 
26 
27 
28 
29 
30 
31 

z-^ 

?yZ 
34 
35 
36 
Z7 
38 
39 
40 

41 
42 
43 
44 
45 
46 

47 
48 

49 
50 
51 

52 
53 
54 
55 


16  Years. 

723.18 
722.98 
722.80 
722.60 
722.39 
722.18 
721.93 
721.67 
721.39 
721.13 
720.82 

720.53 
720.21 
719.86 
719-50 
719.11 
7x8.66 
718.20 
717.67 
717.10 
716.46 

715-74 
714.92 

71405 
713-04 
71T.96 
710.70 
709.38 
707.89 
706.29 
704-50 

700.46 
698.17 
695.60 


17  Years. 

787-94 
787.76 
787.62 

78743 
787.26 

787-05 
786.87 
786.63 
786.38 
786.15 
785-87 
785-59 
785-31 
784-97 
784-63 
784-25 
783-81 

783-53 
782.83 
782.27 
781.63 
780.94 
780.13 
779.27 
778.27 

^77.22 

776.00 

774-65 
773-19 
771-58 
769.79 

765-73 
763-37 
760.79 


8  Years. 

19  Years. 

20  Years. 

855-57 

926.20 

1000.00 

855-42 

926.11 

1000.00 

855-31 

926.05 

1000.00 

855-17 

925-96 

1000.00 

'o55-S5 

925.90 

1000.00 

854-87 

925-79 

1000.00 

854-71 

925-68 

1000.00 

im 

925.60 

1 000.00 

925-49 

1 000.00 

854.16 

9-25-38 

1000.00 

853-93 

925-23 

1000.00 

853-70 

925-08 

1000.00 

853-46 

924.05 

1000.00 

853-19 

924.77 

1000.00 

852.90 

924-57 

1000.00 

852.57 

924.38 

1000.00 

851.18 

924.13 

1000.00 

851.81 

923.88 

1000.00 

851-36 

923-61 

1000.00 

850.86 

923-30 

1000.00 

850.32 

922.95 

1000.00 

849-72 

922.57 

1000.00 

849.06 

922.  T  I 

1000.00 

848.28 

921.63 

1000.00 

847-42 

921.09 

1000.00 

846.48 

920.48 

1000.00 

845-46 

919.81 

1000.00 

844.30 

919.06 

1000.00 

843.02 

918.25 

1000.00 

841.60 

917-33 

1000.00 

840.07 

916.31 

1000.00 

838.34 

915.20 

1000.00 

836.46 

913.05 

TOOO.OO 

834.37 

912.60 

1000.00 

832.07 

911.07 

rooo.oo 

200 

f\\/ fyj  ILLINOIS  STANDARD. 

■  /9^r)  TERMINAL  RESERVES. 

U     Z  /yJ  FIFTEEN  YEAR  ENDOWMENT. 

Am.  Ex. 

3  Years. 

140.71 
140.41 
140.09 
139-78 
-  139-44 
139.09 

138.74 
138.36 
137-99 
137.60 
137.18 
136.76 
136.34 
135-90 
135-45 
134-97 
134-49 
133-99 
133-50 
133.00 

132.51 
131-99 
131-49 
130.97 
130.42 
129.88 
129.29 
128.67 
128.02 

127..34 
126.64 
125.91 
125.17 
124.40 

123.59 
122.79 
1 2 1 .96 

121. IT 
120.24 
119.35 


Age. 

1  Year. 

2  Years. 

21 

3509 

86.81 

22 

34.78 

86.50 

23 

34-45 

86.18 

24 

34-11 

85-85 

25 

33-76 

85-50 

26 

33-39 

85.14 

27 

3302 

84.79 

28 

32-63 

84.40 

29 

32-23 

84.01 

30 

31.82 

83-61 

31 

31-39 

83.20 

32 

30.95 

82.76 

33 

30.49 

82.33 

34 

30.02 

81.87 

35 

29.54 

81.40 

36 

29.04 

80.92 

Z7 

28.53 

80.42 

38 

28.00 

79.91 

39 

27.46 

79-39 

40 

26.90 

78.87 

41 

26.33 

78.35 

42 

25-75 

77.82 

43 

25.16 

77.26 

44 

24.55 

76.72 

% 

23.94 

76.15 

23.31 

75-57 

47 

22.67 

74.98 

48 

22.02 

74-36 

49 

21.36 

73-73 

50 

20.69 

73.08 

51 

20.01 

72.40 

52 

19.32 

71-73 

53 

18.62 

71.02 

54 

17.91 

70.31 

55 

17.20 

69.58 

56 

16.47 

68.84 

57 

15-74 

68.10 

58 

15.00 

67-34 

59 

14.25 

66.58 

60 

13-50 

65.80 

4  Years. 

5  Years. 

196.91 

255-50 

196.62 

255-22 

196.31 

254.92 

196.00 

254.62 

195-67 

254.29 

195-33 

253-97 

194.99 

253-63 

194.62 

253-27 

194-25 

252.91 

193.86 

252.53 

193.46 

252.14 

193.06 

251.74 

192.64 

251-33 

192.21 

250.90 

19175 

250.45 

191.30 

249.99 

190.81 

249-53 

190.34 

249.06 

189.85 

248.58 

189.38 

248.11 

188.89 

247-65 

188.41 

247.16 

187.90 

246.66 

187.40 

246.14 

186.87 

245-58 

186.  V 

244-97 

185.69 

244-30 

185.03 

243-58 

184.33 

242.79 

183.60 

241.98 

182.83 

24 1. 1 1 

182.0^ 

240.17 

181. 18 

239.19 

180.29 

238.16 

179.38 

237.08 

178.44 

235-95 

177-47 

234.76 

176.44 

23350 

175-39 

232.20 

174.31 

230.84 

20I 


y/2% 


Am.  Ex. 


ILLINOIS  STANDARD. 

TERMINAL  RESERVES. 

FIFTEEN  YEAR  ENDOWMENT. 


Age  6  years. 

21  316.59 

22  316.31 

23  316.02 

24  315.74 

25  315.42 

26  315.12 

27  314.78 

28  314.43 

29  314.08 

30  313.70 

31  313-33 

32  312-93 

33  312.52 

34  312.11 

35  311.66 

36  311.21 

37  310.74 

38  310.28 

39  309.81 

40  309.34 

41  308.86 

42  308.36 

43  307.84 

44  307-29 

45  306.67 

46  306.00 

47  305.25 

48  304.45 

49  303-56 

50  302.64 

51  30  T  .63 

52  300.54 

53  299.40 

54  298.16 

55  296.89 

56  295.52 

57  294.07 

58  292.54 

59  290.93 

60  289.21 


7  Years. 

8  Years. 

9  Years. 

10  Years. 

3<So.29 

446.74 

516.05 

588.35 

380.04 

446.50 

515.81 

588.13 

379.75 

446.22 

515.57 

587.90 

379.47 

445-96 

515.31 

587.68 

379-17 

445.67 

515.04 

587.42 

378.87 

445.38 

514.77 

.587.14 

378.55 

445-07 

514.48 

586.90 

378.22 

444-75 

514.16 

586.62 

377.88 

444.42 

513.86 

586.32 

377.51 

444.07 

513.52 

586.01 

377.15 

443.71 

513.17 

585.68 

376.75 

443-33 

512.80 

585-33 

376.35 

442.94 

512.41 

584.96 

375.93 

442.53 

512-03 

584.59 

375-49 

442.09 

511.60 

584.18 

375.05 

441.65 

511. 18 

583.77 

374.59 

441.19 

510.72 

583-33 

374-13 

440.73 

510.25 

582.86 

373.66 

440.25 

509.77 

S82.38 

37  ^--i? 

439.75 

509.26 

581.86 

372-68 

439.25 

508.72 

581.29 

372.16 

438.68 

508.11 

580.66 

371.60 

438.07 

507.45 

579-97 

370.98 

437-40 

506.72 

579.20 

.370.30 

436.65 

505-90 

578.33 

369.55 

435.82 

505-01 

577-38 

368.71 

434.88 

503-99 

576.30 

367.82 

433-89 

502.89 

575.15 

366.82 

432.77 

501.66 

573.84 

365-75 

431-57 

500.35 

572.44 

364.60 

430.26 

498.9  T 

570-89 

363.35 

428.83 

497-31 

569.17 

362.01 

427.3  T 

495-60 

567.32 

360.58 

425.66 

493-74 

565.31 

359-05 

423.86 

491-73 

563. 1 1 

357-42 

42T.96 

489.58 

560.74 

35S-(^8 

419-92 

487.23 

558.15 

353.83 

417.7T 

484.69 

S5S-34 

351-84 

415-34 

481.94 

552-27 

349-71 

412.78 

478.93 

548.89 

202 

/%  1  y  ILLINOIS  STANDARD. 

1/9 ^Tfl  TERMINAL  RESERVES. 

W     ^  A^  FIFTEEN  YEAR  ENDOWMENT. 

Am.  Ex. 


Age. 

II  Years. 

12  Years. 

13  Years. 

14  Years. 

15  Years. 

21 

663.77 

742.49 

824.66 

910.43 

1000.00 

22 

663.59 

742.34 

824.55 

910.37 

1000.00 

23 

663.38 

742.17 

824.42 

910.30 

1000.00 

24 

663.18 

742.01 

824.30 

910.24 

1 000.00 

25 

662.96 

741.82 

■  824.15 

910.16 

1000.00 

26 

662.74 

741.63 

824.01 

910.08 

1000.00 

27 

662.  SI 

741.43 

823.87 

909.98 

1000.00 

28 

662.2  s 

741.21 

823.69 

909.90 

1000.00 

29 

661.97 

740.98 

823.52 

909.79 

1000.00 

30 

661.69 

740.73 

823.33 

909.68 

1000.00 

31 

661.38 

740.48 

823.13 

909.55 

1000.00 

32 

661.07 

740.20 

822.91 

909.45 

1000.00 

33 

660.73 

739-90 

822.69 

909.30 

1000.00 

34 

660.39 

739.62 

822.46 

909.17 

1000.00 

35 

660.01 

739.28 

822.18 

909.00 

1000.00 

36 

659.62 

738.92 

821.91 

908.84 

1000.00 

37 

659.20 

738.55 

821.61 

908.66 

1000.00 

38 

658.76 

738.14 

821.27 

908.45 

1000.00 

39 

658.28 

737.69 

820.90 

908.22 

1000.00 

40 

657.76 

737.21 

820.51 

907.96 

1000.00 

41 

657-19 

736.68 

820.06 

907.70 

1000.00 

42 

656.55 

736.08 

819.56 

907.39 

1000.00 

43 

655.86 

735-42 

819.01 

907.04 

1000.00 

44 

655-07 

734.69 

818.40 

906.67 

1000.00 

45 

654.21 

733-^7 

817.71 

906.24 

1000.00 

46 

653-24 

732.95 

816.96 

905.76 

1000.00 

47 

652.14 

731.92 

816.08 

905.21 

1000.00 

48 

650.98 

730.82 

815.18 

904.67 

1000.00 

49 

649.64 

729.55 

814.10 

903.97 

1000.00 

50 

648.22 

728.19 

812.96 

903.25 

1000.00 

51 

646.64 

726.63 

811.70 

902.48 

1000.00 

52 

644.87 

724.99 

810.26 

901.55 

1000.00 

53 

642.97 

723.17 

808.70 

900.57 

1 000.00 

54 

640.89 

721.16 

807.00 

890.48 

1000.00 

55 

638.60 

718.95 

805.11 

898.27 

1000.00 

56 

636.12 

716.54 

803.03 

896.05 

1000.00 

57 

633-40 

713.88 

800.75 

895-47 

1000.00 

58 

630.43 

710.97 

798.21 

893.84 

1000.00 

59 

627.18 

7(^7-75 

795.42 

8<)2.04 

1000.00 

60 

623.58 

704.19 

792.32 

890.04 

1000.00 

203 


3'/2% 


Am.  Ex. 


ILLINOIS  STANDARD. 

TERMINAL  RESERVES. 

TEN  YEAR  ENDOWMENT. 


Age. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

21 

()S.8i 

•55-69 

246.29 

340.79 

22 

68.50 

155-40 

246.02 

340.54 

23 

68.17 

155-09 

245-73 

340.27 

24 

67.83 

154-77 

245-43 

339.98 

25 

67.49 

154-43 

245.11 

339.69 

26 

67.13 

154.09 

244.79 

339-39 

27 

66.76 

153-74 

244-45 

33<).o8 

28 

66.37 

153-36 

244.09 

3.38.73 

29 

65-97 

152.98 

243-73 

338.39 

30 

65.56 

152.58 

243-35 

338.02 

31 

i^-\^ 

152.17 

242.95 

^Zl-'^^T^ 

32 

64.69 

151-73 

242.53 

?>?>7-27 

33 

64.23 

151.29 

242.11 

33^^-^7 

34 

6375 

150.83 

241.66 

33^>-44 

35 

63.26 

150.36 

241.21 

335.99 

36 

62.75 

149-85 

240.71 

335-52 

Zy 

62.22 

149-32 

240.20 

335-01 

38 

61.68 

148.79 

239.67 

334-51 

39 

61.10 

148.22 

239.11 

333-97 

40 

60.52 

147-64 

238.54 

333-42 

41 

59-91 

147.04 

237-95 

332.83 

42 

59-28 

146.42 

237.32 

332.21 

43 

58.63 

145-76 

236.68 

33 1 -.56 

44 

57-96 

I45-II 

236.01 

330.89 

45 

57-27 

144.40 

235-29 

330.16 

46 

56.56 

143.67   • 

234.55 

329.38 

47 

55-83 

142.92 

^Z2^-7Z 

328.51 

48 

55-07 

142.10 

232.85 

327-58 

49 

54-30 

141.26 

231-93 

326.58 

50 

53-50 

140.36 

230.93 

325-49 

51 

52.67 

139-4^ 

229.87 

32432 

52 

51.81 

138.44 

228.74 

323-06 

53 

50.93 

137-38 

227.54 

321.69 

54 

50.01 

136.29 

226.25 

320.23 

St\ 

49.06 

135-13 

224.86 

318.66 

56 

48.07 

133-90 

223.39 

316.96 

57 

47-04 

132.61 

221.83 

315-14 

58 

45-97 

131-23 

220.14 

313-13 

5i9 

44-85 

i2().78 

218.34 

3 1 1 .00 

60 

43-70 

128.2  s 

216.40 

308.71 

Years. 

439-35 
439-12 
438.88 
438.62 

438.35 
438.09 

437-79 
437-47 
437-17 
436.82 

436.49 
436.12 

435-75 
435-35 
434-94 
434.48 
434-01 
433-53 
433-00 
432.47 
431-91 
431-31 
430.67 

429-99 
429.25 
428.44 

427-55 
426.57 
425-50 
424-35 
423.11 

421.75 
420.26 
418.67 
416.95 
415-07 
413.02 

410.79 
408.39 
405.79 


204 


3'/2% 


Am.  Ex. 


ILLINOIS  STANDARD. 

TERMINAL  RESERVES. 

TEN  YEAR  ENDOWMENT. 


Age 

6  years. 

21 

542.15 

22 

541.95 

2Z 

541.74 

24 

541-52 

25 

541.29 

26 

541.06 

27 

540.80 

28 

540.51 

29 

540.24 

30 

539-93 

31 

539-64 

32 

539-31 

33 

538.97 

34 

538.61 

35 

538.23 

36 

537-82 

37 

537-38 

38 

536.96 

39 

536.46 

40 

535-97 

41 

535-44 

42 

534-85 

43 

534-25 

44 

533-59 

45 

532-86 

46 

532.05 

47 

531.^5 

48 

530.17 

49 

529.09 

50 

527-93 

51 

526.65 

52 

525-26 

53 

523-74 

54 

522.09 

55 

520.29 

56 

518.30 

57 

516.16 

58 

513-80 

59 

51T-25 

60 

508.46 

7  Years. 

649.41 
649.26 
649.07 
648.88 
648.70 
648.52 
648.28 
648.06 
647-83 
647-57 
647-33 
647.04 
646.76 
646.44 
646.13 
645-77 
645-39 
645-03 
644-59 
644.14 
643.68 
643.16 
642.60 
641.98 
641.31 

640.54 
639.72 

638.79 
637-79 
636.67 

63546 
634-13 
632.67 
631.08 
629.34 
627.41 

625.33 
623.02 
620.50 
617.74 


8  Years. 

9  Years. 

10  Years. 

761.33 

878.11 

1000.00 

761.22 

878.05 

1000.00 

761.08 

877.99 

1 000.00 

760.93 

877-90 

1000.00 

760.80 

877.82 

1000.00 

760.67 

877-76 

1000.00 

760.50 

877.66 

1000.00 

760.32 

877-54 

1000.00 

760.16 

877-46 

1000.00 

759-95 

877-33 

1000.00 

759-77 

877.24 

1000.00 

759-57 

877.11 

1000.00 

759-35 

876.99 

1000.00 

759-11 

876.86 

1000.00 

758-87 

876.73 

1000.00 

758.59 

876.57 

1000.00 

758.29 

876.39 

1000.00 

758.02 

876.22 

1000.00 

757-66 

876.00 

1000.00 

757-31 

875.81 

1000.00 

756.94 

875.57 

1000.00 

756.51 

87530 

1000.00 

756.06 

87504 

1000.00 

755.56 

874.72 

1000.00 

755-00 

874-38 

1000.00 

754-37 

874.00 

1000.00 

753-68 

873-57 

1000.00 

752.91 

873.08 

1000.00 

752.08 

872.57 

1000.00 

751-14 

871.98 

1000.00 

750.12 

871-35 

1000.00 

749.00 

■  870.64 

1000.00 

7A7-77 

869.86 

1 000.00 

746.42 

869.01 

1000.00 

744.92 

868.08 

1000.00 

743-28 

867.03 

1000.00 

741-49 

865.89 

1000.00 

739-50 

864.60 

1000.00 

737-32 

863.20 

1000.00 

734-93 

861.65 

1000.00 

205 


3'/2% 


ILLINOIS  STANDARD. 

MEAN  RESERVES. 

FIFTEEN  PAYMENT  LIFE. 


Am. 

Ex. 

Age. 

I   Year. 

2  Years. 

3  Years. 

4  Years. 

21 

8.62 

28.4() 

4<;.i  1 

70.00 

22 

8.72 

28.97 

50.04 

71.98 

22, 

8.82 

29.50 

51.01 

73-40 

24 

8.93 

30.04 

52.02 

74-88 

25 

9.04 

30.61 

53-04 

76.40 

26 

9-15 

31.18 

54-11 

77-96 

27 

9.27 

31-79 

55-22 

79.60 

28 

9-39 

32.40 

56.35 

81.26 

29 

9-53 

33-o6 

57-54 

83-01 

30 

9.66 

33-73 

58.76 

84-79 

31 

9.80 

34-42 

60.01 

86.63 

32 

9-94 

35-13 

61.31 

88.54 

33 

10.10 

35-86 

62.65 

90.51 

34 

10.26 

36.63 

64.04 

92.54 

35 

10.42 

37-41 

65-47 

94.62 

36 

10.59 

38.21      . 

66.92 

96.75 

3? 

10.77 

39-05 

68.44 

98.96 

38 

10.96 

39-91 

69.98 

101.22 

39 

II. 15 

40.80 

71-58 

103.55 

40 

11.36 

41.72 

72,-2?> 

105-95 

41 

11-57 

42.67 

74-94 

108.41 

42 

11.80 

43-64 

76.68 

110.93 

43 

12.03 

44-64 

78.46 

"3-51 

44 

12.27 

45-68 

80.29 

II6.I  T, 

4| 

12.53 

46.74 

82.14 

118.79 

46 

12.82 

47.82 

84.04 

121.48 

47 

13.12 

48-94 

85-94 

124.16 

48 

1345 

50-07 

87.86 

126.86 

49 

13.81 

51.21 

89-78 

T29-55 

50 

14.20 

52-39 

91-73 

132.25 

51 

14.62 

53-59 

93-68 

134.95 

S^ 

15.06 

54.81 

95-65 

137-63 

53 

15-54 

56-04 

97-62 

140.32 

54 

16.0S 

57-30 

99-6o 

143.00 

55 

16.60 

.58.59 

101.59 

145-66 

56 

17.20 

.59-91 

103.60 

148.31 

S7 

17.84 

61.26 

105.62 

150-95 

58 

18.53 

62.64 

107.64 

153-57 

50 

19.28 

64.07 

109.68 

156.17 

60 

20.10 

6554 

1 1 1-73 

158.74 

5  Years. 

92.98 

94-81 

96.71 

98-67 

100.70 

102.79 

104.96 

107.18 

109.50 

1 1 1.87 

114.33 
116.86 
119.48 
122.16 
124.91 

127.75 
130.66 
133.66 

136.75 
139.92 

143-15 
146.46 
149-83 
15325 
156.71 
160.18 
163.64 
167.10 

170-54 
174.00 

177-43 
180.82 
184.19 

T87-54 
190.85 
194.12 

197.34 
200.49 
203.60 


206 


3'/2% 


Am.  Ex. 


ILLINOIS  STANDARD. 

MEAN  RESERVES. 

FIFTEEN  PAYMENT  LIFE. 


Age  6  years.  7  Years.  8  Years.  9  Years.  10  Years. 

21  116,27    ,   140.52  165.77  192-05  219.42 

22  118.58  143-32  169-08  195.90  223.82 

23  120.97  146.22  172.50  199.88  228.38 

24  123.44  149.22  176-05  203.99  233.07 

25  125.98  152.31  179.71  208.23  237.92 

26  128.63  155-51  183-49  212.62  242.92 

27  131.35  158.81  187.39  217.15  248.12 

28  134-15  162.21  191-41  221.80  253.43 

29  137.06  165.74  195-58  226.63  258.04 

30  140.04  169.36  199.86  231.58  264.60 

31  143-13  173-10  204.26  236.68  270.42 

32  146.31  176.95  208.81  241.94  276.41 

33  149-59  180.91  213.48  247.34  282.57 

34  152.96  184.97  218.26  252.89  288.91 

35  156.41  189.14  223.18  258.58  295.39 

36  159.96  193.44  228.25  264.43  302.05 

37  163.61  197-85  233.44  270.42  308.86 

38  167.36  202.38  238.75  276.55  315.81 

39  171.22  207.03  244.20  282.81  322.91 

40  175.17  211.76  249.74  289.18  330-12 

41  179.20  216.60  255.40  295.66  33742 

42  183.31  221.51  261.12  302.18  34478 

43  187.48  226.49  266.89  308.77  352-19 

44  191-70  231.49  272.70  315.38  359.62 

45  195-93  236.51  278.51  322.00  367.07 

46  200.18  241.54  284.33  328-62  374.51 

47  204.41  246.55  290.11  335.20  381.91 

48  208.64  251.54  295.88  341.75  389.27 

49  212.83  256.48  301.58  348-22  396.52 

50  217.03  261.41  30724  354-63  40372 

51  221.18  266.28  312.83  360.95  410.80 

52  225.27  271.06  3^8.30  367-13  41 7-7 1 

53  229.32  275.79  323.69  373.19  424.47 

54  233.32  280.42  328.96  379-"  43106 

55  237.25  284.95  334.08  384.84  437.45 

56  241.10  289.36  339.06  390-39  44360 

57  244.86  293-65  34387  395-72  449.47 

58  248.52  297.80  348.49  400.80  455.06 

59  252.10  30T.80  352.88  405.61  460.31 

60  255.55  305-61  357.04  4^0.11  465.18 


207 


3'49& 


Am.  Ex. 


ILLINOIS  STANDARD. 

MEAN  RESERVES. 

FIFTEEN  PAYMENT  LIFE. 


Age 

II  Years. 

12  Years. 

13  Years 

14  Years. 

15  Years. 

21 

247.91 

277-59 

308.51 

-340.70 

374.25 

22 

252.89 

283.17 

314-71 

347-55 

381-77 

23 

258.04 

288.93 

321.11 

354-63 

389-55 

24 

263.35 

294.88 

327-73 

361.94 

397-57 

25 

268.84 

301.03 

334-55 

369.47 

405.84 

26 

274-48 

307-37 

341-59 

377-^3 

414.36 

27 

280.35 

313-92 

348.87 

385-26 

423.16 

28 

286.36 

320.64 

356.33 

393-49 

432.21 

29 

292.58 

327-59 

364.05 

402.01 

441-55 

30 

298.96 

334-73 

371-96 

410.75 

451-14 

31 

305-52 

342.07 

380.11 

419-73 

461.00 

32 

312.29 

349.63 

388.50 

428.98 

471.14 

33 

319-74 

357-39 

397-11 

438.46 

481.52 

34 

326.38 

365-36 

405-93 

448.16 

492.15 

35 

333-(^7 

373-51 

4H-95 

458.08 

503.00 

36 

341.17 

381.85 

424.18 

468.23 

514.08 

37 

348.82 

390.37 

433-58 

478.54 

525-36 

38 

356.62 

399.04 

443-14 

489.03 

536.81 

39 

364.57 

407-85 

452.85 

499-68 

548.45 

40 

372.62 

416.78 

462.69 

510.45 

560.22 

41 

380.77 

425.80 

472.62 

521-36 

572.15 

42 

388.98 

434-89 

482.63 

532-34 

584.18 

43 

397-25 

444-05 

492.71 

543-41 

596.31 

44 

405-53 

453-22 

502.83 

554-52 

608.51 

45 

413-84 

462.42 

512.97 

565-68 

620.78 

46 

422.12 

471.60 

523-10 

576.84 

633.08 

47 

430.37 

480.73 

533-20 

587.99 

645.40 

48 

438.57 

489.83 

543.26 

599-13 

657-71 

49 

446.65 

498.80 

553-19 

610.12 

669.95 

50 

454-68 

507.70 

563.06 

62 1 .07 

682.16 

51 

462.55 

516.42 

572.75 

631.92 

694.29 

52 

470.24 

524.98 

582.28 

642.54 

706.27 

53 

477.26 

533-36 

591.62 

653.00 

718.12 

54 

485.09 

54T-51 

600.72 

663.26 

729.81 

55 

492.17 

549-39 

609.55 

673.26 

741.29 

56 

498.98 

556.96 

618.06 

682.97 

752.  s6 

57 

50548 

S64.21 

626.25 

692.37 

763-59 

58 

5TT.65 

57T.09 

634.05 

701.42 

774-39 

59 

5^7-43 

577-.54 

641.42 

710.11 

784.95 

60 

522.77 

58353 

648.36 

•718.45 

795.33 

208 


3'/2% 


Am.  Ex. 


ILLINOIS  STANDARD. 

MEAN  RESERVES. 
TEN  PAYMENT  LIFE. 


Years 

4  Years. 

5  Years. 

80.08 

112.81 

146.91 

81.52 

114.87 

149.62 

82.99 

116.98 

152.40 

84-53 

119.19 

155-30 

86.11 

121.46 

158.28 

87-75 

123.81 

161.38 

89.44 

126.24 

164.57 

91.17 

128.73 

167.85 

92.99 

131-33 

171.26 

94-85 

134.00 

174-77 

96.78 

136-75 

178.40 

98.76 

139.61 

182.14 

100.82 

142.54  • 

186.00 

102.93 

145-57 

189.97 

105.11 

148.68 

194.05 

107-34 

151.88 

198.25 

109.65 

155-17 

202.57 

1 12.01 

158.54 

207.00 

114.44 

162.02 

211-55 

116.94 

165.59 

216.23 

119.50 

169.23 

221.00 

122.12 

172.96 

225.88 

124.78 

176.77 

230.85 

127-53 

180.65 

235-91 

130.31 

184.58 

241.02 

133-12 

188.56 

246.17 

135-98 

192.56 

251-36 

138.82 

196.55 

256.53 

141.68 

200.56 

261.72 

144.56 

204.57 

266.91 

147-44 

208.58 

272.09 

150.31 

212.56 

277.21 

153-15 

216.50 

282.28 

155-97 

220.38 

287.28 

158.75 

224.21 

292.21 

161.50 

227.97 

297-93 

164.21 

231.64 

301.71 

166.85 

235.21 

306.24 

169.42 

238.65 

310.62 

171.90 

241.96 

SI  4.82 

Age.  I  Year.  2  Years. 

21  18.51  48.67 

22  18.77  4950 

23  19.03  50.36 

24  19-31  51-25 

25  -19.59  52.18 

26  19.89  53-13 

27  20.20  54-12 

28  20.51  55.12 

29  20.84  56.18 

30  21.18  57.26 

31  21.53  58.39 

32  21.89  59.55 

33  22.28  60.75 

34  22.66  61.99 

35  23.06  63.26 

36  23.48  64.57 

37  23.91  65.92 

38  24.35  67.30 

39  24.81  68.73 

40  25.28  70.20 

41  25.76  71.70 

42  26.26  7324 

43  26.77  74.82 

44  27.31  76.45 

45  27.86  78.10 

46  28.42  79.77 

47  29.02  81.50 

48  29.63  83.22 

49  30.28  84.96 

50  30.94  86.72 

51  31.64  88.50 

52  32.35  90.28 

53  3308  92.06 

54  33-83  93-84 

55  3461  95.62 

56  35-41  97.38 

57  36.23  99-14 

58  37.08  100.88 

59  3796  102.60 

60  38.86  104.30 


209 


A1  / 

'  ^"^.^ 

ILLINOIS  STANDARD. 

i/ 

SVn 

MEAN  RESERVES. 

0^2 

i  /(J 

TEN 

PAYMENT 

LIFE. 

Am. 

Ex. 

Age 

6  years. 

7  Years. 

8  Years. 

9  Years. 

10  Years. 

21 

182.43 

219.45 

258.03 

298.24 

340.15 

22 

185.82 

223.54 

262.85 

303.82 

346.52 

23 

189.30 

227.75 

267.82 

309.58 

353-11 

24 

192.92 

232.11 

272.97 

315.55 

359-93 

25 

196.65 

236.63 

278.29 

321.72 

366.98 

26 

200.53 

241.31 

283.81 

328.11 

374-27 

27 

204.50 

246.11 

289.47 

334.67 

381.79 

28 

208.60 

251.07 

295.33 

341.45 

389-54 

29 

212.87 

256.22 

301.40 

348.48 

397-52 

30 

217.25 

261.51 

307.63 

355.71 

405-83 

31 

221.78 

266.99 

314.09 

3^3-18 

414.36 

32 

226.45 

272.62      - 

320.73 

370-88 

423.16 

33 

231.27 

278.43 

327.58 

378.81 

432.22 

34 

236.23 

284.41 

334.63 

386.97 

441.55 

35 

241.32 

290.56 

341.87 

395-36 

451-14 

36 

246.55 

296.88 

349.32 

403.99 

461.00 

37 

251.94 

303.38 

356.98 

412.86 

471.14 

38 

257.47 

310.05 

364.84 

421.95 

481.52 

39 

263.14 

316.89 

372.89 

431.26 

492.15 

40 

268.96 

323.89 

381.12 

440.78 

503.01 

41 

274.91 

331.04 

389.53 

450.49 

514.08 

42 

280.91 

338.32 

398.08 

460.36 

525-35 

43 

287.13 

345-73 

406.77 

470.40 

536.81 

44 

293.40 

353-25 

415.59 

480.58 

548.45 

45 

299.73 

360.83 

424.48 

490.88 

560.23 

46 

306.09 

368.46 

433.45 

501.27 

^l^-'i 

47 

312.50 

376-15 

442.50 

511-75 

584-18 

48 

318.91 

383-85 

451.56 

522.28 

596.30 

49 

325.32 

391-56 

460.65 

532.86 

608.51 

50 

331.75 

399.28 

469.75 

543.46 

620.77 

51 

338.14 

406.96 

478-83 

554.07 

633.09 

52 

344-47 

414-59 

487.86 

564.65 

645-40 

53 

350.75 

422.15 

496.82 

575.17 

^|7-^9 

54 

356.93 

429.61 

505-68 

585.61 

669.95 

55 

363.01 

436.95 

514-42 

595.95 

682.16 

56 

368.95 

444.12 

523.00 

606.  IS 

694-27 

57 

374-73 

451.13 

531.40 

616.18 

706.27 

58 

380.33 

457.93 

539.58 

626.01 

718.13 

59 

385.73 

464.48 

547.50 

635.60 

729.81 

60 

390.89 

470.76 

555.13 

644.92 

741.29 

3'/2% 


ILLINOIS  STANDARD. 

MEAN  RESERVES. 

TWENTY  YEAR  ENDOWMENT. 


Am. 

Ex. 

Age. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

21 

22.07 

55.<^5 

91.24 

128.01 

166.33 

22 

21.78 

55-66 

90.97 

127-75 

166.08 

23 

21.49 

55-39 

90.70 

127.49 

165.83 

24 

21.19 

55-10 

90.43 

127.23 

165.57 

25 

20.88 

54.80 

90.14 

126.95 

165-30 

26 

20.55 

54.50 

89.85 

126.68 

165.04 

27 

20.23 

54.19 

89-56 

126.39 

164.77 

28 

19.90 

53-86 

!9-24 

126.10 

164.48 

29 

19-55 

53-54 

88.94 

125.81 

164.21 

30 

19.20 

53-21 

88.64 

125.53 

163.94 

31 

18.83 

52.88 

88.32 

125-23 

163.67 

32 

18.46 

52.54 

88.02 

124.95 

163.41 

33 

18.10 

52.21 

87.72 

124.68 

163.16 

34 

17.71 

51-87 

87.41 

124.41 

162.92 

35 

17-33 

51-53 

87-13 

124.16 

162.69 

36 

16.94 

51.20 

86.84 

123.92 

162.49 

37 

16.55 

50.87 

86.57 

123.69 

162.30 

38 

16.16 

50.56 

86.32 

123.50 

162.17 

39 

15-78 

50.26 

86.09 

123.34 

162.07 

40 

15.40 

49.97 

85.90 

123.24 

162.03 

41 

15.01 

49.70 

85-74 

123.16 

162.03 

42 

14.64 

49.46 

8  s. 6 1 

123.13 

162.08 

43  ■ 

14.27 

49.24 

85-52 

123.15 

162.18 

44 

13.93 

49.06 

85-48 

123.22 

162.34 

45 

13.60 

48.91 

85-47 

123.34 

162.54 

46 

13-30 

48.79 

85-52 

123-51 

162.78 

"^l 

13.02 

4!-73 

8S.61 

123.71 

163.05 

48 

12.77 

48.69 

85-74 

123.95 

163.37 

49 

12.59 

48.70 

85-92 

124.26 

163.75 

50 

12.44 

48.78 

86.17 

124.64 

164.23 

51 

12.35 

48.93 

86.51 

125.12 

164.79 

52 

12.31 

49.15 

86.93 

125.69 

165.45 

53 

12.32 

49-43 

87.44 

126.36 

166.21 

54 

12.41 

49-82 

88.06 

127.16 

167.12 

55 

12.58 

50.31 

88.80 

128.08 

168.18 

3'/2% 


ILLINOIS  STANDARD. 

MEAN  RESERVES. 

TWENTY  YEAR  ENDOWMENT. 


Am.    l' 


Age  6  years.  7  Years.  8  Years. 

21  206.26  247. (S7  291.26 

22  206.01  247.63  291.02 

23  205.77  247.40  290.79 

24  205.52  247.15  290.54 

25  205.26  246.91  290.31 

26  205.02  246.67  290.08 
2y  204.75  246.40  289.82 

28  204.47  246.14  289.57 

29  204.21  245.89  289.32 

30  203.96  245.64  289.08 

31  203.70  245.40   '  288.84 

32  203.47  245.19  288.62 

Z3  20^.27,  244.95  288.41 

34  203.00  244.74  288.20 

35  202.80  244.56  288.04 

36  202.63  244.41  287.90 
Z7  202.48  244.29  287.80 

38  202.39  244.23  2^7.76 

39  202.34  244.22  287.77 

40  202.35  244.25  287.81 

41  202.40  244.34  287.92 

42  202.51  244.48  288.05 

43  202.67  244.66  288.21 

44  202.87  244.87  288.40 

45  203.11  245.11  288.60 

46  203.39  245.38  288.84 

47  203.69  245.69  289.10 

48  204.04  246.03  289.39 

49  204.45  246.43  289.74 

50  204.97  246.92  290.16 

51  205.56  247.50  290.67 

52  206.25  248.16  291.25 

53  207.06  248.95  291.96 

54  208.01  249.88  292.79 

55  209.11  250.94  293.74 


9  Years. 

10  Years. 

336.48 

383.62 

336.24 

383-38 

336.02 

383-17 

335-78 

382.94 

335-55 

382.71 

33S-32 

382.47 

335-07 

382.24 

334-82 

381.99 

334-58 

381.75 

334-34 

381.51 

334.10 

381.27 

333-88 

381.05 

333(V 

380.84 

333-48 

380.66 

33332 

380.49 

333-20 

380.37 

333-IO 

380.27 

333-06 

380.22 

333-07 

380.20 

333-Ti 

380.22 

333-19 

380.24 

333-29 

380.29 

333-41 

380.34 

333-54 

380.38 

333-68 

380.43 

333-85 

380.50 

334-03 

380.57 

33^-23 

380.64 

334-47 

380.74 

334-79 

380.91 

335-17 

381.12 

33S<^2 

381.38 

33^^-'^7 

3^1.72 

336.84 

382.16 

337-^'^ 

382.70 

212 


3'/2% 


Am.  Ex. 


ILLINOIS  STANDARD. 

MEAN  RESERVES. 

TWENTY  YEAR  ENDOWMENT. 


Age.  II  Years. 

21  432.7; 

22  432-54 

^Z  AZ2.2,i 

24  432.  u 

25  431-89 

26  431.65 

27  43143 

28  431.17 

29  430.93 

30  430.69 

31  430.45 

32  430-22 

Z2,  430.02 

34  429.82 

35  429-65 

36  429.52 

37  429.40 

38  429.32 

39  429.26 

40  429.23 

41  429.18 

42  429-15 

43  429-11 

44  429-04 

45  428.98 

46  428.92 

47  428.84 

48  428.76 

49  428.69 

50  428.67 

51  428.67 

52  428.6() 

53  428.77 

54  428.94 

55  429-16 


12  Years. 

13  Years. 

14  Years. 

15  Years. 

484.03 

537-50 

593-26 

651-45 

483.80 

537-27 

593-05 

651-25 

483.60 

537-08 

592-87 

651.09 

483-38 

536.87 

592.67 

650.89 

483-17 

536.66 

592.47 

650.71 

482.96 

536.45 

592.26 

650.51 

482.71 

536.21 

592.03 

650.28 

482.46 

535-96 

591-78 

650.04 

482.21 

535-71 

591-53 

649.81 

481.98 

535-48 

591-30 

649-58 

481.73 

535-22 

591.04 

649.32 

481.50 

534-98 

590.81 

649.09 

481.29 

534-77 

590.58 

648.86 

481.09 

534-55 

590-34 

648.60 

480.91 

534-35 

590.12 

648.35 

480.75 

534-16 

589-90 

648.10 

480.60 

533-97 

589.66 

647.81 

480.48 

533-80 

589.42 

647.52 

480.36 

533-61 

589-17 

647.20 

480.25 

533-42 

588.89 

646.85 

480.12 

533-19 

588.58 

646.46 

479-99 

532.96 

588.24 

646.03 

479.84 

532.70 

587.86 

645-55 

479.66 

532.39 

587-42 

645.00 

479-46 

532.04 

586.93 

644-38 

479.26 

531-69 

586.43 

643-74 

479-01 

531-27 

585-83 

642.99 

478-75 

530-81 

585-19 

642.16 

478-48 

530-33 

584-48 

641.28 

478-24 

529-84 

583-75 

640.33 

477-96 

529-31 

583.00 

639-33 

477-74 

528.80 

582.17 

638.25 

477-54 

528.27 

58r.^o 

(^^?>707 

477-38 

527-75 

580.42 

63584 

477.22 

527-19 

579-44 

634.48 

213 


f\\/  g^^  ILLINOIS  STANDARD. 

■  ry^Tk  MEAN  RESERVES. 

^     ^  /^  TWENTY  YEAR  ENDOWMENT. 

Am.  Ex. 


Age. 

16  Years. 

17  Years. 

18  Years. 

19  Years. 

20  Years. 

21 

712.18 

775-56 

841.76 

910.89 

983-09 

22 

711.99 

775-40 

841.O2 

910.80 

983-09 

23 

711.84 

775-28 

841-54 

910.75 

983.09 

24 

711.67 

775-13 

841.41 

910.68 

983.09 

25 

711.50 

774-98 

841.31 

910.63 

983.09 

26 

711.32 

774.82 

841.16 

910.53 

983-09 

27 

711. II 

774-65 

841.04 

910.44 

,  983-09 

28 

710.88 

774-45 

840.89 

910.37 

983.09 

29 

710.66 

774.28 

840.72 

910.27 

983.09 

30 

710.44 

774-05 

840.57 

910.18 

983-09 

31 

710.20 

773.82 

.  840.38 

910.06 

983.09 

32 

709.97 

773-61 

840.20 

909-94 

983-09 

33 

709.73 

773-39 

840.01 

909.83 

983.09 

34 

709.47 

773-13 

839-79 

909.60 

983.09 

35 

709.21 

772.S7 

839-57 

909-54 

983.09 

36 

708.93 

772.59 

839-32 

909-39 

983.09 

37 

708.61 

772.26 

839-02 

909.18 

983-09 

38 

708.28 

771-93 

838.73 

909.00 

983-09 

39 

707.91 

771-55 

838.39 

908.78 

983-09 

40 

707.52 

771.14 

838.02 

908.54 

983-09 

41 

707.06 

770.67 

837-60 

908.26 

983.09 

42 

706.57 

770.16 

837-15 

907.97 

983.09 

43 

706.00 

769-56 

836.63 

907.62 

983.09 

44 

705-39 

768.94 

836.06 

907-24 

983-09 

45 

704.68 

768.21 

835-40 

906.81 

983.09 

46 

703-94 

767-44 

834-70 

906.33 

983-09 

47 

703.08 

766.54 

833-92 

90583 

983.09 

48 

702.13 

765-58 

833-04 

905.24 

983-09 

49 

701.12 

764-5  T 

832.08 

904.61 

983.09 

50 

700.03 

763-37 

831.02 

903.90 

983.09 

51 

698.82 

762.09 

829.87 

903- T 3 

983.09 

52 

697-55 

760.72 

828.61 

902.27 

983.09 

53 

696.14 

759.21 

827.21 

9OT. 32 

983.09 

54 

694.64 

757-57 

825.67 

900.28 

983.09 

55 

692.96 

755-75 

823-99 

899.13 

983-09 

214 


3'/2% 


Am.  Ex. 


ILLINOIS  STANDARD.       ' 
MEAN  RESERVES. 
FIFTEEN  YEAR  ENDOWMENT. 


Age. 

I  Year. 

2  Years 

21 

38.16 

88.83 

22 

37.88 

88.55 

23 

37.58 

88.26 

24 

Z7-^7 

87.96 

25 

36.95 

87.65 

26 

36.62 

87.33 

27 

36.29 

87.01 

28 

35.95 

86.67 

29 

35.59 

86.32 

30 

35.22 

85.97 

31 

34.84 

85.61 

32 

34.45 

85.23 

33 

34.06 

84.85 

34 

3365 

84.46 

35 

33-24 

84.06 

36 

32.81 

83.65 

32.38 

83.25 

38 

31.95 

82.83 

39 

31.50 

82.41 

40 

31.05 

82.00 

41 

30.60 

81.59 

42 

30.15 

81.19 

43 

29.69 

80.78 

44 

29.24 

80.40 

45 

28.80 

80.03 

46 

28.37 

79.66 

47 

27.96 

79.31 

48 

27.56 

78.97 

49 

27.20 

78.65 

50 

26.86 

78.35 

51 

26.56 

78.08 

52 

26.29 

77.84 

53 

26.05 

77.63 

54 

25.86 

77.46 

55 

25.73 

77.35 

56 

25.64 

77.28 

57 

25.62 

77.28 

58 

25.66 

77.35 

59 

25.79 

77.49 

60 

26.00 

77.72 

3  Years. 

141.64 
141.36 
[41.08 
140.80 
140.49 
140.18 
139.87 
139.53 
139.20 
138.86 
138.50 
138.13 

m-17 
137.40 
137.01 
1 36.62 
136.23 
135.82 
135.43 
^35.05 
[3468 

134.31 
133.95 
133.61 
133.27 
132.94 
132.62 
132.30 
31.98 


31.39 
31.14 
30.90 
30.71 
54 


[30.65 


Years. 

196.69 
196.42 
196.15 
195.87 
195.58 
195.27 
194-97 
194.64 

194.32 
193.98 

193.63 
193.28 
192.93 

192.57 
192.19 
191.81 
191.42 
191.04 
190.66 
190.30 

189.95 
189.60 
189.27 
188.95 
188.63 
188.31 
187.98 
187.63 
187.28 
186.94 
186.61 
186.29 
185.98 
185.70 
185.44 
185.24 
185.07 
184.95 
184.89 
184.90 


Years. 

254.08 
253-83 
253.56 
253.29 
253.00 
252.71 
252.42 
252.10 
251.78 

251.45 
251. II 

250.77 
250.42 
250.07 
249.69 
249.32 
248.94 

248.57 
248.20 
247.86 
247.52 
247.19 
246.85 
246.54 
246.21 
245.86 
245.48 
245.09 
244.67 
244.26 
243.84 
243-42 
242.99 
242.58 
242.19 
241.82 
241.47 
241.15 
240.87 
240.65 


215 


3 '4% 


ILLINOIS  STANDARD. 

MEAN  RESERVES. 

FIFTEEN  YEAR  ENDOWMENT. 


Am. 

Ex. 

Age 

6  years. 

7  Years. 

8  Years. 

9  Years. 

10  Years. 

21 

^^?^-')^ 

?^7^^-^^ 

44t.3<> 

509.27 

580.08 

22 

m-^7 

376.08 

441.18 

509.06 

579-88 

23 

31342 

375-83 

440.93 

508.84 

579.68 

24 

3i3-i'^> 

375-59 

440.70 

508.62 

579.48 

25 

312.88 

7.7S-2.2 

440.44 

508.38 

579.25 

26 

312.61 

375-06 

440.19 

508.14 

579.02 

2-] 

312.31 

374-77 

439.92 

507.88 

578.80 

28 

312.00 

374-48 

439.64 

507.61 

578.54 

29 

311.70 

374-18 

439-35 

507-34 

578.28 

30 

311-37 

373-86 

.439.04 

507-05 

578.02 

31 

3  ".05 

373-55 

438.74 

506.75 

577.74 

7^^ 

310.71 

373-21 

438.41 

506.44 

577-44 

33 

3  T  0.36 

372.87 

438.08 

506. 1 1 

577-12 

34 

310.02 

372.53 

437.74 

505.79 

576.82 

35 

309.64 

372.16 

437.38 

505.43 

576.48 

36 

309.27 

371.80 

437-02 

505-08 

576.15 

37 

308.91 

371-44 

436.66 

504.73 

575.80 

38 

308.54 

371.08 

436.30 

504.36 

575-43 

39 

308.  T  8 

370.72 

435.94 

504.00 

575-06 

40 

.307.84 

1>1^-Z7 

435-57 

503.62 

574.67 

41 

307-50 

370.02 

435-21 

503.23 

574.25 

42 

307.16 

369.66 

434.82 

502.80 

573-79 

43 

306.82 

369.29 

434.41 

502.33 

573.28 

44 

306.48 

368.90 

43396 

501.83 

S7^-72 

45 

306.11 

368.47 

433.46 

501.26 

572.ro 

46 

305-70 

367.90 

432.90 

500.63 

57T.41 

47 

305.26 

367.47 

432.28 

499.92 

570.63 

48 

304.80 

366.92 

431.64 

499.17 

569.80 

49 

304.28 

366.30 

430.90 

498.32 

568.86 

50 

303-78 

365.66 

430.13 

497-43 

567.86 

51 

303-24 

364.99 

429.30 

496.46 

566.77 

52 

302.67 

364.26 

428.41 

495.39 

565.56 

53 

302.10 

363.5  f 

427.47 

494.26 

564.27 

54 

30T.53 

362.74 

426.47 

493.05 

562.88 

55 

300.94 

361.93 

425.41 

491.75 

561.38 

5^^ 

300.36 

36T.09 

424-3  T 

490.39 

559.78 

57 

299.77 

360.23 

423-16 

488.93 

558.05 

58 

299.20 

359.36 

421.95 

A^y.?.^ 

556.19 

59 

298.64 

358.46 

420.67 

485.72 

5.54.18 

60 

298.10 

357-53 

419.32 

483.9^ 

551.98 

2l6 


y/2% 


Am.  Ex. 


ILLINOIS  STANDARD. 

MEAN  RESERVES. 

FIFTEEN  YEAR  ENDOWMENT. 


Age. 

II  Years. 

21 

^53 -94 

22 

653-77 

23 

653-59 

24 

653-41 

25 

653-21 

26 

653.00 

27 

652.81 

28 

652.59 

29 

652-35 

30 

652.10 

31 

651.84 

32 

65  •  -57 

33 

651.28 

34 

651.00 

35 

650.68 

36 

650.37 

37 

650.04 

38 

640.68 

39 

649-32 

40 

648.92 

41 

648.49 

42 

648.01 

43 

647-49 

44 

646.90 

45 

646.25 

46 

645-53 

47 

644.71 

48 

643-85 

49 

642.85 

50 

641.80 

51 

640.64 

52 

639.34 

53 

637-^^5 

54 

636.45 

55 

634.81 

56 

633-05 

57 

63  •  • '  3 

58 

629.06 

59 

626.80 

60 

624.31 

12  Years.  13  Years. 

731.01  811.45 

730.87  811.35 
7^o.y2  811.24 
730.58  811.14 
730.41  81 1. 01 
730.25  810.88 
730.08  810.76 

729.88  810.60 
729.68  810.45 
729.46  810.28 

729.24  810.12 

729.01  809.93 
728.75  809.73 
728.52  809.55 
728.23  809.32 

727.94  809.09 
727.65  808.85 
727.^2  808.58 
726.97  808.28 
726.60  807.97 
726.18  807.62 
72^.72  807.22 
725.21  806.79 
724.65  806.31 

724.02  '^oc,':'jy 
723.31  805.17 

722.  S2  804.49 

721.68  803.78 

720.70  802.93 

719.67  802.04 

718.51  80T.O4 

717.25  799.94 
715.88  798.74 

7 1 4.-38  707-43 

712.73  70509 

710.95  704-41 
709.00  7<)2.67 
706.88  700.77 
704.54  788.66 
701  96  786.33 


4  Years. 

15  Years. 

895-42 

983.09 

895-37 

983.09 

895-31 

983-00 

895-25 

983.09 

895.18 

983.09 

895-11 

■  983.09 

895-03 

983.09 

894-95 

983.09 

894-86 

983-09 

894-76 

983.09 

894.65 

983.09 

894-55 

983.09 

894.43 

983.09 

894.33 

983.00 

894.18 

983.09 

894-05 

983.09 

893.91 

983.09 

893-73 

983.09 

893-55 

983-09 

893-35 

983.09 

893-13 

983.09 

892.88 

983.09 

892.60 

983.09 

892.30 

983.09 

891.96 

983.09 

891.58 

983.09 

891.13 

983.09 

890.71 

983.09 

890.14 

983.09 

'^^^r-:.7 

983.09 

888.96 

983.09 

?!?^'?^.22 

983.09 

887.44 

983.09 

886.59 

983-09 

885.65 

983.09 

884.61 

<)83. 09 

^HA7 

983.09 

^^(^2.20 

983.09 

880.81 

983.09 

879-25 

983.09 

217 


3'/2% 


ILLINOIS  STANDARD. 

MEAN  RESERVES. 

TEN  YEAR  ENDOWMENT. 


Am. 

Ex. 

Age. 

I  Year. 

2  Years. 

3  Years 

4  Years. 

5  Years. 

21 

71. iS 

1 56.29 

245.03 

337.58 

434.11 

22 

70.90 

1 56.02 

244.78 

337-35 

433.90 

23 

70.60 

155-74 

244.52 

^^IV 

433.68 

24 

70.30 

155-45 

244.25 

336.85 

433-45 

25 

69.98 

155-15 

243.96 

336.59 

433-21 

26 

69.66 

154-84 

243-67 

336.32 

432.97 

27 

69-33 

154-52 

243-37 

33604 

432.71 

28 

68.98 

154.18 

243-04 

335.73 

432.42 

29 

68.62 

153.84 

242.72 

335.43 

432.15 

30 

68.26  • 

153-49 

242.38 

335.10 

431.84 

31 

67.87 

153.12 

242.03 

334.77 

431.54 

32 

67.48 

152.74 

241.66 

334.43 

431.23 

33 

67.09 

152.36 

241.30 

334-09 

430.91 

34 

66.67 

151-95 

240.91 

333.71 

4.30.56 

35 

66.2  s 

151-55 

240.52 

333-34 

430.20 

36 

65.8\ 

1 5 1 . 1 1 

240.09 

332.93 

429.81 

67 

65-35 

150.67 

239.66 

332.50 

429.41 

38 

64.90 

150.22 

239.22 

332.08 

429.01 

39 

64.42 

149.74 

238.75 

331.62 

428.57 

40 

63-94 

149.27 

238.28 

331.17 

428.14 

41 

63-44 

148.78 

237.80 

330.69 

427.67 

42 

62.94 

148.28 

237.30 

330.20 

427.19 

43 

62.42 

147.77 

236.79 

329.69 

426.69 

44 

61.91 

147.26 

236.29 

329.18 

426.17 

45 

6T.39 

146.74 

235.75 

328.63 

425.61 

46 

60.87 

146.21 

235.20 

328.06 

425.00 

47 

60.36 

T  45.69 

234.64 

^Z^lAl, 

424.34 

48 

59-85 

145.13 

234.02 

326.76 

423.62 

49 

59-37 

144.59 

23340 

326.06 

422.85 

50 

S8.89 

144.03 

232.74 

325.31 

422.02 

51 

58.43 

143.46 

232.06 

324.51 

421.13 

52 

57-90 

142.90 

231.36 

323.67 

420.18 

53 

57-56 

142.31 

230.62 

322.77 

419.13 

54 

57-15 

141.74 

229.86 

321.83 

418.04 

55 

56.76 

141.16 

229.06 

320.82 

416.87 

56 

56.40 

140.57 

228.23 

319.76 

415.60 

57 

56.07 

139.98 

227.38 

318.64 

414.24 

58 

55-76 

i39..^9 

226.48 

^^l^i 

412.75 

59 

55-50 

138.81 

225.55 

316.T6 

41 1. 19 

60 

55-29 

138.24 

224.59 

314.82 

409.52 

218 


3'/2% 


Am.  Ex. 


ILLINOIS  STANDARD. 

MEAN  RESERVES. 

TEN  YEAR  ENDOWMENT. 


Age 

6  years. 

21 

534-79 

22 

534-61 

23 

534-44 

24 

534-22 

25 

534-01 

26 

53380 

27 

533-57 

28 

533-3" 

29 

533-07 

30 

532.79 

31 

532-54 

32 

532.25 

33 

531-96 

34 

531-64 

35 

531-32 

36 

530.96 

37 

530-59 

38 

530.23 

39 

529-81 

40 

529-41 

41 

528.98 

42 

528.51 

43 

528.03 

44 

527-52 

45 

526.96 

46 

526.34 

47 

525-66 

48 

524-92 

49 

524.10 

50 

523-24 

51 

522.30 

52 

521.28 

53 

520.16 

54 

518.97 

55 

517.68 

56 

516.27 

57 

5U-75 

58 

513-08 

59 

5H-3I 

60 

509-39 

7  Years.  8  Years. 

639.82  749.41 

639.68  749.31 

639-51  749-18 

639-35  749-05 

639.18  748.94 

639.02  748.82 
638.81  748.66 

638.60  748.51 
638.40  748.36 
638.17  748.18 
637.96  748.02 
637-71  747-84 
637-46  747-65 
637-19  747-44 
636.92  747.24 

636.61  746.99 
636.28  746.74 
635-98  746.51 
635.61  746.21 
635-25  745-92 
634.86  745-61 
634-44  745-27 
634.00  744-90 
633-51  744-50 
632.99  744-06 

632.39  743-55 
631-75  743-01 

631.03  742.40 
630.25  741-74 

629.40  741.00 
628.47  740.21 
627.47  739.34 

626.36  738.38 
625.^7  737.34 
623.88  736.19 
622.44  734-93 
620.90  733.57 
619.20  732.05 
617-37  7V^.40 

615.37  728.60 


9  Years. 

10  Years. 

863.76 

983.10 

863.71 

983.10 

863.64 

983.10 

863.56 

983.10 

863.50 

983.10 

863.44 

983.10 

863-35 

983.10 

863.25 

983.10 

863.18 

983.10 

863.06 

983.10 

862.98 

983.10 

862.87 

983.10 

862.77 

983.10 

862.65 

983.10 

862.54 

983.10 

862.39 

983.10 

862.24 

983.10 

862.11 

983.10 

861.91 

983.10 

861.75 

983.10 

861.56 

983.10 

861.34 

983.10 

861.12 

983.10 

860.87 

983.10 

860.59 

983.10 

860.28 

983.10 

859.94 

983.10 

859.54 

983.10 

859.13 

983.10 

858.66 

983.10 

858.15 

983.10 

857-59 

983.10 

856.97 

983.10 

856.30 

983.10 

855-56 

983.10 

854-74 

983.10 

853-85 

983.10 

852.84 

983.10 

851.75 

983.10 

850.56 

983.10 

^'4% 


Am.  Ex. 

MICHIGAN  and  TENNESSEE 
STANDARD. 


The  minimum  standard  for  preliminary  term  policies  adopted 
by  the  legislatures  of  Michigan  and  Tennessee  differs  from  that  of 
Illinois,  only  in  the  following  special  exception: 

Endowments  with  premium-paying  periods  of  20  years  cr 
longer,  full  preliminary  term. 


VA 

'% 

:HIGAN  and  TENNESSEE  STAND. 
TERMINAL  RESERVES. 

ft.KD. 

\3^2 

W^ 

TWENTY 

YEAR  ENDOWMENT. 

Am. 

Ex. 

Age. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

0.0a 

35-23 

71-93 

110.18 

150.04 

21 

0.00 

35-22 

71.92 

110.17 

150.02 

22 

0.00 

35-22 

71.92 

110.16 

150.00 

23 

0.00 

35-22 

71.92 

110.15 

149.99 

24 

0.00 

35-22 

71.92 

110.14 

149.98 

25 

0.00 

35-22 

71.92 

110.14 

149-97 

26 

0.00 

35-22 

71.92 

110.14 

149.97 

27 

0.00 

35-22 

71.92 

110.14 

149-97 

28 

0.00 

35-23 

71-93 

110.15 

149.97 

29 

0.00 

35-24. 

71.94 

110.16 

149.98 

30 

0.00 

35-25 

71.96 

110.18 

150.00 

31 

0.00 

35-26 

71.98 

110.20 

150.02 

32 

0.00 

35-27 

72.01 

110.24 

150.06 

33 

0.00 

3529 

72.05 

110.29 

150.11 

34 

0.00 

35-32 

72.09 

110.35 

150.17 

35 

0.00 

35-35 

72.14 

110.42 

150.25 

36 

0.00 

35-39 

72.20 

110.51 

150.35 

37 

0.00 

35-43 

72.28 

110.62 

150.48 

38 

0.00 

35-48 

72.38 

110.75 

150.64 

39 

0.00 

35-54 

72.50 

110.91 

150.85 

40 

0.00 

35-62 

72.64 

111.11 

151.09 

41 

0.00 

35-72 

72.81 

1 1 1-35 

151-38 

42 

0.00 

35-83 

73.01 

1 1 1 .63 

151.70 

43 

0.00 

35-95 

73-24 

111.94 

152.04 

44 

0.00 

36.08 

73-49 

112.27 

152.43 

45 

0.00 

36.23 

73-75 

112.62 

152.82 

46 

0.00 

36.39 

74.02 

112.98 

153-21 

47 

0.00 

36.56 

74-30 

113-34 

153-60 

48 

0.00 

36.73 

74-59 

113.71 

154.00 

49 

0.00 

36.91 

74.90 

114.09 

154-4^ 

50 

0.00 

37.10 

75-23 

114.49 

154.86 

5t 

0.00 

37-29 

75-58 

114.92 

155.35 

52 

0.00 

37-50 

75-95 

115-39 

155-87 

5^ 

0.00 

37-73 

76.35 

1 15-91 

156.44 

54 

0.00 

37-98 

76.79 

116.48 

T  57-07 

55 

0.00 

38.25 

77.27 

117.10 

157-75 

5^> 

0.00 

38.55 

77-80 

117.78 

158.51 

57 

0.00 

38.88 

78.38 

118.52 

159-32 

58 

0.00 

3923 

79.00 

119.31 

l60A?> 

59 

0.00 

39.60 

79-65 

120.15 

161. II 

60 

0.00 

40.00 

80.34 

121.05 

162.11 

222 


1  ^iTW       MICHIGAN  AND  TENNESSEE  STANDARD. 
^^  ^^  TERMINAL  RESERVES. 


3'/2% 

Am.  Ex. 


TWENTY  YEAR  ENDOWMENT. 


Age  6  years.  7  Years. 

20  191.58  234.87 

21  191-55  234.84 

22  191.53  234.81 

23  191. 5 1  234.78 

24  191-49  234.75 

25  191.48  .  234.73 

26  191-47  234.71 

27  191.46  234.69 

28  191.45  234.68 

29  191.46  234.68 

30  191-47  234.68 

31  191.49  234.69 

32  191-52  234.71 

33  191-56  234.75 

34  191.62  234.81 

35  191-70  234.89 

36  191.81  235.00 

37  191-95  235.14 

38  192.13      235.32 

39  192-35      235.54 

40  192.62      235.81 

41  192.94        236.  T2 

42  193-29         236.46 

43  193-66      236.82 

44  194.05      237.19 

45  194-44      237.52 

46  194.82      237.89 

47  195-20      238.22 

48  195-59      238.56 

49  196.00      238.91 

50  196.44      239.28 

51  196.91      239.68 

52  197-42      240.12 

53  197-98      240.60 

54  198.60      241.13 

55  199-28      241.72 

56  200.02      242.38 

57  200.82      243.08 

58  201.68      243.82 

59  202.59      244.60 

60  203.54      245.41 


8  Years. 

9  Years. 

10  Years. 

280.00 

327-05 

376.09 

279-95 

327.00 

376-03 

279.91 

326.95 

375-97 

279-87 

326.90 

375  Q I 

279.84 

326.85 

375-85 

279.81 

326.80 

375-79 

279.78 

326.75 

375-73 

279-75 

326.71 

375-68 

279.73 

326.68 

375-63 

279.71 

326.65 

375-58 

279.70 

326.62 

375-53 

279.70 

326.60 

375-49 

279.71 

326.59 

375-46 

279.73 

326.60 

375-44 

279.77 

326.62 

375-45 

279.84 

326.67 

375-47 

279.94 

326.75 

375-52 

280.08 

326.87 

375-60 

280.26 

327.02 

375-71 

280.48 

327.20 

375-84 

280.73 

327-41 

375-98 

281.01 

327.64 

376.11 

281.31 

327.86 

376.24 

281.61 

328.07 

376.35 

281.90 

328.27 

376.43 

282.17 

328.45 

376-47 

282.43 

328.60 

376.48 

282.68 

328.73 

376.46 

282.93 

328.84 

376.41 

283.18 

328.94 

376.34 

283.44 

32905 

376.25 

283.72 

329.17 

376.11 

284.03 

329.30 

376.01 

284.38 

329-44 

375-92 

284.77 

329.61 

375-8T 

285.20 

329.81 

3/5-71 

285.67 

330.03 

375-59 

286.17 

330.26 

375-44 

286.70 

330.47 

375-23 

287.24 

330.65 

374-94 

287.78 

330.78 

374-55 

223 


3'/2% 


Am.  Ex. 


MICHIGAN  AND  TENNESSEE  STANDARD. 

TERMINAL  RESERVES. 

TWENTY  YEAR  ENDOWMENT. 


13  Years.  14  Years.  15  Years. 

536.21  594.26  654.81 

536.12  594.16  654.71 

535-03  594-06  654.61 

535-94  593-9^  654.51 

535-85  593-86  654.40 

535-75  593-75  654.28 

535-65  593-63  654.15 

535-54  593-50  654.01 

535-42  593.37  653.87 

5;35-30  593-24  653.72 

535-18  593.10  653.56 

535-06  592.96  653.40 

534-95  592.83  653.24 

534.84  592.69  653.05 
534-73  592.55  652.87 
534-63  592-40  652.67 
534-53  592.24  652.45 
534-43  592.03  652.21 
534-31  591-82  651.93 
534.18  591.58  651.60 
534.02  591.31  651.21 
533-81  590.98  650.77 
533-55  590-59  650.27 
533-23  590.13  649.69 

532.85  589.62  649.02 
532.41  589-00  648.26 

531.88  588.29  647.40 
531.27  587.48  646.43 
530.58  586.57  645.34 
529.80  585.56  644.12 
528.94  584.45  642.78 
528.01  58323  64T.31 
527.00  581.89  639.70 
525.90  580.43  637.93 
524.69  578.82  635.97 
523-36  577-05  633.85 

521.89  575.09  631.42 
520.24  572.88  628.75 
518.36  570.38  625.75 
516.2T  567.62  622.45 
513.83  564.63  618.94 


Age. 

II  Years. 

12  Years. 

20 

427.24 

480.57 

21 

427.17 

480.49 

22 

427.10 

480.41 

^2, 

427.03 

480.33 

24 

426.96 

480.25 

25 

426.89 

480.16 

26 

426.81 

480.07 

27 

426.73 

479.98 

28 

426.65 

479-89 

29 

426.58 

479-80 

30 

426.51 

479-70 

31 

426.45 

479-60 

32 

426.40 

479-52 

33 

426.36 

479-45 

34 

426.34 

479-39 

35 

426.34 

479-34 

?>^ 

426.35 

479-30 

?>7 

426.38 

479-27 

38 

426.43 

479.24 

39 

426.46 

479-20 

40 

426.50 

479-14 

41 

426.55 

479-05 

42 

426.55 

478-93 

43 

426.52 

478.77 

44 

426.46 

478.56 

45 

426.36 

478.29 

46 

426.21 

477-95 

47 

426.00 

477-54 

48 

425.74 

477-06 

49 

425.44 

476.53 

50 

425.12 

475-95 

51 

424-77 

475-31 

52 

424-39 

474.62 

53 

423.98 

473-87 

54 

423-54 

473.06 

55 

423-07 

472-17 

56 

422.55 

471.19 

57 

421.96 

470.09 

58 

421.27 

468.83 

59 

.  420.40 

467-34 

60 

419-41 

465.67 

224 

3'/2% 

Am.  Ex. 


MICHIGAN  AND  TENNESSEE  STANDARD. 

TERMINAL  RESERVES. 

TWENTY  YEAR  ENDOWMENT. 


Age. 
20 
21 
22 

23 
24 

25 
26 
27 
28 
29 
30 
31 
32 
33 
34 
35 
36 
37 
38 
39 
40 

41 
42 

43 
44 
45 
46 
47 
48 
49 
50 
51 
52 
53 
54 
55 
56 
57 
58 
59 
60 


6  Years. 

17  Years. 

18  Years 

717.01 

783-99 

852.87 

717.91 

783.90 

852.80 

717.S1 

783.81 

852.73 

717.71 

783-71 

852.65 

717.61 

783.61 

852-57 

717.48 

783-49 

852.47 

717-35 

783-36 

852.36 

717.21 

783-23 

852.25 

717.06 

783-09 

852.14 

716.90 

782.94 

852.01 

716.73 

782.77 

851.86 

716.57 

782.59 

851.70 

716.36 

782.41 

851-53 

716.18 

782.21 

851-34 

715-95 

781.99 

851-13 

715-72 

781.74 

850.90 

715-45 

781-45 

850.64 

715-15 

781.12 

850-35 

714.81 

780.75 

850.02 

714-43 

780.33 

849.65 

713-99 

779-86 

849.23 

713-49 

779-33 

848.76 

712.88 

778-73 

848.20 

712.24 

778-05 

847-59 

711.47 

777-28 

846.90 

710.61 

776.41 

846.13 

700.64 

775-43 

845.29 

708.56 

774-33 

844.29 

707-35 

773.10 

843.20 

70599 

77^-73 

842.00 

704-49 

770.22 

840.65 

702.87 

768.56 

839.19 

701.07 

766.70 

837-54 

699.06 

764.66 

835-71 

696.90 

762.40 

833-67 

694-44 

759-89 

831-43 

691-73 

757-^1 

828.95 

688.70 

754-03 

826.26 

685.38 

750.66 

823.26 

681.79 

747.00 

810.09 

677-95 

743- 10 

816.45 

ig  Years. 

924.83 
924.79 

924-75 
924.70 
924.64 

924-57 
924.50 

924.43 
924-35 
924.26 
924.19 
924.09 
923.96 

923-85 
923.72 

923-57 
923.40 
923.18 
922.96 
922.71 

922.45 
922.13 
921.78 
921.38 
920.93 
920.43 
919.84 
919.23 
918.51 
917.71 
916.83 
915.86 
914.78 

913-57 
912.24 

910.75 
909. 1 2 
90732 
90533 
003.15 

900.75 


20  Years. 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1 000.00 

1000.00 

1 000.00 

1000.00 

1000.00 

1 000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1 000.00 

1 000.00 

1 000.00 

1  ooo.oo 

1 000.00 

1 000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1000.00 

1 000.00 

1000.00 


225 


MICHIGAN  AND  TENNESSEE  STANDARD. 
MEAN  RESERVES. 
TWENTY  YEAR  ENDOWMENT. 


3  Years.  4  Years.       5  Years. 

74.26  111.74  15079 

74.28  1 1 1.75  150.80 

74.30  1 1 1.76  150.81 

74.32  1 1 1.78  150.82 

74.35  1 1 1.80  150.84 

74.38  111-83  150.86 
74.41  1 1 1.86  150.89 
74.45  1 1 1.90  150.93 
74.49  1 1 1.95  150.97 
74.54  1 12.01  151.02 
74.60  112.08  151.08 
74.67  112. 13  151-16 
74.75  112.25  151.25 
74.84  112.35  151.36 
74.94  112.47  151-49 
75.06  1 12.61  151.64 
75.20  112.77  151-82 

75.36  112.96  152.03 
75-55  113-18  152.29 
75-77  "3-45  152.60 
76.02  113.77  152.97 
76.30  114-14  153.40 
76.62  114.55  153-88 
76.90  115.00  154-41 
77.41  115.50  154.98 
77.88  116.05  155-59 

78.39  116.67  156.27 
78.93  117.29  156.94 
79.51  117.98  157-69 
80.14  11^.72  158.49 
80.83  119.53  159.36 
81.59  120.41  160.31 
82.43  121.38  161.35 

83.35  122.45  162.49 

84.36  123.62  163.75 
85.48  124.91  165.14 
86.71  126.33  166.67 
88.06  127.88  168.34 
89.53  129.57  170.16 
97.13  131.41  172.14 
92.88  133.41  174.29 


3'^ 

Am. 

HIGAN  AI 

M 

TWENl 

Age. 

I   Year. 

2  Years. 

20 

ZT7 

38.30 

21 

3-79 

38.32 

22 

3.82 

38.34 

23 

3-84 

38.36 

24 

3-87 

38.39 

25 

3-89 

38.42 

26 

,      3-93 

38.45 

27 

3-96 

38.49 

28 

3-99 

38.53 

29 

4-03 

38.57 

30 

4.07 

38.62 

31 

4.11 

38.68 

32 

4.16 

38.74 

33 

4.21 

38.81 

34 

4.27 

38.89- 

35 

4-32 

38.98 

36 

4-39 

39-09 

37 

4.46 

39.21 

38 

4-54 

39-35 

39 

4-63 

39-51 

40 

4-73 

39.69 

41 

4.83 

39-89 

42 

4-95 

40.12 

43 

5-08 

40.38 

44 

5-23 

40.67 

45 

•        5-39 

40.99 

46 

5-58 

41-35 

47 

5.80 

41.75 

48 

6.04 

42.19 

49 

6.33 

42.68 

50 

6.65 

43-22 

51 

7.02 

43-81 

52 

7-43 

44.47 

53 

7-89 

45-^9 

54 

8.40 

45-99 

55 

8.97 

46.84 

56 

9.60 

47.81 

S7 

10.31 

48.90 

S^ 

IT. 08 

50.04 

50 

11.94 

5T.32 

60 

12.89 

52.74 

226 

3'/2% 

Am.  Ex. 


MICHIGAN  AND  TENNESSEE  STANDARD. 

MEAN  RESERVES. 

TWENTY  YEAR  ENDOWMENT. 


Age  6  years.  7  Years.  8  Years.  9  Years.     10  Yeais. 

20  19149  -'33-90  278.11  3-24-20  372-25 

21  191.48  233.89  278.10  324-17  il^~^ 

22  191-49  '^Z}y'^^)  278.09  324-15  372-18 

23  191.50  233.89  278.08  324.13  372.1^ 

24  191-51  233.90  278.08  324-12  n^-"^^ 

25  191.53  233.91  278.08  324.11  372.10 

26  191.55  233.92  278.08  324-10  372-08 

27  191.58  233.94  278.09  324.10  z7^-^7 

28  191.62  233.97  278.11  324-11  372.06 

29  191.67  234.01  278.14  324-13  372-36 

30  191-73  234.06  278.18  324-16  372-07 

31  191.80  234.13  278.23  324-20  372-09 

32  191.89  234.22  278.30  324-26  372-12 

33  192.00  234.33  278.39  324-34  Zl^-^l 

34  192-13  234.46  278.51  324.44  372.25 

35  192-29  234.62  278.66  324.58  zji.-^-] 

36  192.48  234.80  278.86  324.76  372.53 

37  192-71  235.04  279.11  324.98  372.73 

38  192-99  235.33  279.40  325.25  372.97 

39  193.32  235.68  279.74  325.57  373.25 

40  193-71  236.09  280.14  325-94  373-56 

41  194-19  236.56  280.59  326.35  373.90 

42  194.70  237.08  281.09  326.79  374-26 

43  195.26  237.65  281.62  327.25  374.61 

44  195-87  238.25  282.15  327.72  374.96 

45  196.51  238.86  282.73  328.20  ziS-Z^ 

46  197-18  239.52  283.34  328.69  375.69 

47  197.88  240.18  283.93  329.20  376.07 

48  198.64  240.91  284.58  329-73  376.47 

49  199-45  241.68  285.28  330.29  376.88 

50  200.33  242.51  286.03  330.90  377-31 

51  201.30  243.46  286.86  331.61  377.79 

52  202.36  244.45  287.78  332.34  378.34 

53  203.53  245.58  288.80  333.19  378.96 

54  204.82  246.83  289.96  334-17  379-66 

55  '         " 


206.24  248.21  291.19  335-18  380.45 

56  207.80  249.72  292.54  336.38  l^^-l}, 

57  209.50  251.37  294.06  337.65  382.28 

58  211.36  253.16  295.69  339.01  383.28 

59  213.36  255.09  297.44  340.44  384.32 

60  215.54  257.17  299.31  34i'.99  385.39 


227 


3'/a 

% 

CHIGAN  AND  TENNESSEE  STANDI 
MEAN  RESERVES. 

^RD. 

/yj 

TWENTY  YEAR  ENDOWMENT. 

Am. 

Ex. 

Age 

II  Years. 

12  Years. 

13  Years 

14  Years. 

15  Years. 

20 

422.35 

474-59 

529.08 

585-92 

645.21 

21 

422.30 

474-53 

529.01 

585-83 

645-13 

:i2 

422.26 

474-48 

528.95 

585-77 

645.06 

23 

422.22 

474-43 

528.89 

585-70 

644-98 

24 

4^2.18 

474-38 

528.83 

585-63 

644.90 

25 

422.14 

474-33 

528.77 

585-55 

644.81 

26 

422.11 

474-28 

528.71 

585-47 

644-71 

2-] 

422.08 

474-23 

528.64 

585-39 

644.61 

28 

422.06 

474-19 

528.57 

•     585-31 

644.51 

29 

422.04 

474-15 

528.50 

585-22 

644.41 

30 

422.02 

474.11 

528.44 

•    585-13 

644-31 

31 

422.02 

474.08 

528.39 

585-04 

644-21 

32 

422.03 

474-07 

528.35 

584-98 

644.11 

33 

422.06 

474-07 

528.32 

584.92 

644.01 

34 

422.11 

474.09 

528.31 

584.86 

643-91 

35 

422.19 

474-14 

528.32 

584-82 

643-81 

36 

422.30 

474-21 

528.34 

584-78 

643-71 

Z7 

422.45 

474-31 

528.37 

584-73 

643-60 

38 

422.63 

474-43 

528.40 

584-67 

64347 

39 

422.83 

474-56 

528.43 

584.60 

643-31 

40 

423.05 

474.69 

528.45 

584-51 

643.11 

41 

423.29 

474-82    • 

528.46 

584-39 

642.88 

42 

423-54 

474-94 

528.45 

584-24 

642.62 

43 

423-78 

475-04 

528.41 

584-05 

642.31 

44 

424.02 

475-13 

528.34 

583-82 

641.94 

45 

424-25 

475-20 

528.23 

583-54 

641.51 

40 

424-47 

475-24 

528.07 

583.21 

641.01 

47 

424.68 

475-26 

527-87 

582.83 

640.44 

48 

424.89 

475-25 

527-64 

582.40 

639.81 

49 

425.09 

475-24 

^^7-V7 

581.92 

639.11 

50 

425-32 

475-23 

527-08 

581.39 

638-35 

51 

425-58 

475-21 

526.78 

580.80 

637-51 

52 

425.88 

475-22 

526.47 

580.16 

636.58 

53 

426.23 

475-24 

526.15 

579-47 

635-56 

54 

426.63 

475-28 

525-81 

578-72 

634-42 

55 

427.09 

475-34 

525-45 

577-92 

633.18 

56 

427.60 

475-42 

525-05 

577-04 

631.80 

57 

428.13 

475-46 

524-58 

576.02 

630.24 

58 

428.68 

475-45 

5  24-0  T 

574.81 

628.48 

59 

429.21 

475-38 

523-28 

573-44 

626.55 

60 

429-73 

475-23 

522.45 

571-95 

624.49 

228 

f\\/  g^^        MICHIGAN  AND  TENNESSEE  STANDARD. 

■  /"y^Srh  MEAN  RESERVES. 

"     ^  / ^  TWENTY  YEAR  ENDOWMENT. 

Am.  Ex. 

Age.  i6  Years.  17  Years.  18  Years.  19  Years.  20  Years. 

20  707.09  771.68  839.11  909-54  983.10 

21  707.01  771.60  839.04  909.49  983.10 

22  706.94  771-54  838.98  909.46  983.10 

23  706.86  771-46  838.92  909.42  983.10 

24  706.78  771.38  838.86  909.38  983.10 

25  706.69  771.29  838.79  909.33  983.10 

26  706.58  771-19  838.71  909.27  983.10 

27  706.48  771-09  838.62  909.21  983.10 

28  706.38  770.99  838.53  909.15  983.10 

29  706.27  770.88  838.43  909.08  983.10 

30  706.15  770-75  838.31  909.00  983-10 

31  706.03  770.62  ^38.18  908.92  983.10 

32  70592  770.50  838.06  908.84  983.10 

33  705.80  770-36  837.92  908.75  983.10 

34  705.67  770.21  837.77  908.65  983-10 

35  70553  770.05  837.61  908.54  983-10 

36  70537  769-86  837.43  908.41  983.10 

37  705- 18  76964  ^:S7-^^  908.26  983.10 

38  70496  769-30  836.99  908.09  983.10 

39  70472  769-11  836.73  907.90  983.10 

40  704-45  768.78  836.43  907.69  983.10 

41  704-15  768.42  836.10  907.46  983.10 

42  703-80  768.01  835.72  907.20  983.10 

43  70339  767-53  835.26  906.90  983.10 

44  702.92  766.99  834.74  906.56  983.10 

45  702.37  766.39  834.16  906.16  983.10 

46  701.74  765-71  833.52  905.73  983-10 

47  701.03  764.94  832.82  905.25  983.10 

48  700.24  76407  832.06  90472  983.10 

49  699.36  763-11  83T.04  904.12  983.10 

50  698.39  762.06  830.14  903-46  983.10 

51  697.23  760.91  829.05  902.72  983.10 

52  696.16  759-63  827.85  901.89  983.10 

53  694.87  758.21  826.52  900.97  983.10 

54  693.44  756-64  825.04  899.95  983.10 

55  69T.87  75490  823.40  898.83  983.10 

56  690.  T  3  IS^-^l  821.59  897.59  98V 10 

57  688.  T  7  750.82  819.59  806.2^  983.  TO 

58  686.02  748.47  817.40  804.73  08V  TO 

59  683.64  745-94  815.03  893.08  983.10 

60  681. T7  743-26  812.51  891.31  983.10 


3'/2% 


Am.  Ex. 

NEW  JERSEY  STANDARD. 

'i'lic  miiiinniin  standard  adopted  by  tlic  Lej^islature  of  New 
Jersey  applies  without  requirin^j  the  pohcy  to  be  written  as  "prelimi- 
nary term."  It  can  no  longer  be  availed  of,  ho\ve\er,  after  the  I'om- 
pany  has  attained  resources  of  $400,000,000;  nor  as  to  endowment 
policies  issued,  if  after  1910  the  reserves  reach  $25,000,000 ;  nor  to  any 
new  policies,  if  after  1910  the  reserves  reach  $50,000,000. 

It  is  in  the  form  of  concessions  or  deductions  from  the  net 
le\el  i)remium  reserves,  American  Experience,  3j/j%,  all  life,  limited 
pa\inent  and  endowment  plans,  as  follows: 

h'irst  Mean  reser\e.  deduct  an  amount  ecpuil  to  the  difference 
between  the  whole  life  mean  reserve  and  a  one  year  term  mean  re- 
serve, the  same  age. 

The  next  year,  deduct  ti\e-sixths  of  this  amount;  the  next  two- 
thirds,  etc. 

The  companies  axailing  thcmsehes  of  the  deductions  are  lim- 
ited to  the  aggregate  of  the  deductions  on  new  insurance  for  the  year, 
plus  loading  on  new  premiums,  for  their  cost  of  new  business. 

In  computing  the  reserves,  it  has  been  assumed  that  terminal 
reserves  are  modified  by  the  same  system  of  deductions.  The  mean 
reserves,  accordingly,  cannot  be  found  by  the  formula: 


231 


3 

'/2% 

NEW  JERSEY  STANDARD. 
TERMINAL  RESERVES. 

u 

WHOLE  LIFE. 

Am.  Ex. 

Age        I  yr. 

2  yrs. 

3  yrs. 

4  yrs. 

5  yrs. 

6  yrs. 

7  yrs. 

20 

0.00 

7-44 

15.1  1 

23.01 

3^ -^7 

3'^58 

48.24 

21 

0.00 

7-7S 

15-74 

23-98 

32.48 

4 '-23 

50.26 

22 

0.00 

8.08 

16.41 

25.00 

33-85 

42.97 

52.38 

23 

0.00 

•^•43 

17.12 

26.07  • 

35-28 

44.80 

54.59 

24 

o.oc) 

8.79 

'  7-^S 

27.18 

36.79 

46.70 

.56.91 

25 

0.00 

9.16 

1 8.6 1 

28.34 

38.37 

48.70 

59.35 

26 

0.00 

9.56 

19.41 

29.56 

40.02 

50.79 

61.89 

2/ 

0.00 

9.98 

20.26 

30.84 

41.74 

52.98 

64.54 

28 

0.00 

10.40 

21.13 

32.18 

43-56 

55-26 

67.32 

29 

0.00 

10.87 

22.06 

33-59 

45-45 

57-65 

70.23 

30 

0.00 

1 1  -34 

23-03 

35-05 

47-43 

60.16 

73-27 

3' 

0.00 

11.85 

24.04 

36.58 

49.51 

62.79 

76.46 

32 

0.00 

12.37 

25.10 

38.21 

51.67 

65-54 

79.78 

33 

0.00 

12.92 

26.22 

39.89 

53-95 

68.40 

83-25 

34 

0.00 

13-50 

27-39 

41.66 

56.33 

71-39 

86.87 

35 

0.00 

14.11 

28.61 

43-51 

58.81 

74-53 

90.67 

36 

0.00 

14-74 

29.88 

45-44 

61.40 

77-79 

94.62 

37 

0.00 

15-39 

31.21 

47.44 

64. 1 2 

81.22 

98.76 

38 

0.00 

16.09 

32.60 

49-56 

66.95 

84-79 

103.07 

39 

0.00 

16.81 

34-07 

51-77 

69.93 

88.53 

107.58 

40 

0.00 

^7-57 

35-^^0 

54-09 

73-03 

92.42 

112.25 

41 

0.00 

18.37 

37.21 

56.51 

76.27 

96.47 

117. II 

42 

0.00 

19.22 

38.88 

59.03 

79-63 

100.66 

122.12 

43 

0.00 

20.07 

40.63 

61.63 

83.10 

104.99 

127.28 

44 

0.00 

20.99 

42.44 

64-35 

86.68 

109.43 

132.54 

45 

0.00 

21.91    ' 

44-30 

67-13 

90.35 

"397 

137-93 

46 

0.00 

22.89 

46.22 

.  69.97 

94.10 

118.59 

143-41 

47 

0.00 

23-^7 

48.16 

72.85 

97-90 

123.29 

149.00 

48 

0.00 

24-87 

50.13 

7S-7>^ 

101.78 

128.08 

154-67 

49 

0.00 

25.88 

52.15 

7^-77 

105.71 

132.94 

160.42 

50 

0.00 

26.92 

■  54-21 

81.82 

109.73 

137.89 

166.27 

5^ 

0.00 

27.98 

56.31 

84.93 

113.82 

142.92 

172.22 

52 

0.00 

29.07 

58.46 

88.11 

117.98 

148.05 

178.26 

53 

0.00 

30.19 

60.64 

91.33 

122.21 

153.25 

184.38 

54 

0.00 

31-32 

62.86 

94.61 

126.52 

158.52 

190.58 

55 

0.00 

32.45 

65.12 

97-95 

130.87 

163.86 

196.84 

56 

0.00 

33-^\3 

67-43 

101.33 

135.30 

169.25 

203.15 

57 

0.00 

34.83 

69.77 

104.77 

139.77 

174.70 

209.51 

58 

0.00 

36.04 

72.T4 

108.23 

144.26 

180.18 

215.91 

59 

0.00 

37.26 

74-52 

1x1.71 

T48.79 

185.67 

222.29 

60 

0.00 

38.50 

76.93 

115-23 

153-34 

191.17 

228.66 

61 

0.00 

39-74 

79-35 

IT  8.76 

157-89 

196.64 

234.98 

62 

0.00 

40.91 

81.73 

122.2^ 

162.37 

202.07 

241.22 

63 

0.00 

42.26 

84.21 

125.78 

166.87 

207.42 

247.36 

64 

0.00 

43-50 

86.59 

T29.2T 

171.25 

212.66 

253.34 

<^\5 

0.00 

44.72 

88.95 

132.58 

175.54 

217.75 

259.19 

66 

0.00 

45-93 

91.24 

135-87 

179.71 

222.73 

264.99 

67 

0.00 

47-10 

93-48 

139-05 

^K^-7>^ 

227.69 

270.88 

68 

0.00 

48.25 

95-65 

142.17 

T  87.84 

232.77 

277.06 

69 

0.00 

49-35 

97-77 

145.32 

192.09 

238.19 

283.74 

70 

0.00 

50.45 

99.99 

148.70 

196.72 

244.16 

291.12 

232 


2'/ 

»% 

NEW  JERSEY  STANDARD. 
TERMINAL  RESERVES. 

\3^^ 

:  /L/ 

TWENTY  PAYMENT  LIFE. 

Am. 

Ex. 

Age. 

I  Yr. 

2  Yrs. 

3  Yrs. 

4  Yrs. 

5  Yrs. 

6  Yrs, 

7  Yrs. 

20 

7.56 

22.89 

38.78 

55-26 

72.38 

90.13 

108.55 

21 

7.60 

23.27 

39-54 

56.41 

73.92 

92.07 

110.92 

22 

7-64 

23.69 

40.33 

57-60 

75-51 

94.09 

113-37 

23 

7.67 

24.11 

41.16 

58.83 

77.16 

96.17 

115.90 

24 

7.71 

24-55 

42.01 

60.10 

78.86 

98.33 

118.51 

25 

7-74 

24.99 

42.87 

61.40 

80.63 

100.55 

121.22 

26 

7-77 

2545 

43-76 

62.75 

82.44 

102.85 

124.01 

27 

7.80 

25.92 

44-70 

64.15 

84.32 

105.23 

126.90 

28 

7.82 

26.39 

45-64 

65-58 

86.26 

107.67 

129.87 

29 

7-84 

26.90 

46.63 

67.08 

88.26 

110.20 

132.95 

30 

7-85 

27-39 

47.64 

68.59 

90.31 

112.81 

1 36. 1 2 

31 

7.86 

27.91 

48.67 

70.17 

92.44 

115.50 

13938 

?>2 

7.86 

28.44 

49-74 

71.80 

94.62 

118.27 

142.74 

?>^ 

7M 

28.97 

50.85 

73-47 

96.88 

121.12    1 

'    146.20 

34 

7-84 

29-53 

51-97 

75-19 

99.20 

124.05 

149.76 

35 

7.82 

30.10 

53-13 

76.95 

101.59 

127.07 

153-42 

36 

7-79 

30.67 

54.32 

78.77 

104.03 

130.17 

157-19 

Z7 

7-75 

31-25 

55-53 

80.62 

106.56 

133-36 

161.07 

38 

7.70 

31.84 

56.78 

82.54 

109.15 

136.64 

165.04 

39 

7-65 

32-45 

S8.06 

84.51 

1 11.83 

140.02 

169.13 

40 

7-57 

33-07 

59.38 

86.54 

114.57 

143-48 

173-31 

41 

7-49 

33-70 

60.74 

88.62 

117-38 

147-03 

177.58 

42 

7.40 

34-35 

62.12 

90.76 

120.26 

150.63 

181.91 

43 

7.29 

34-99 

6353 

92.92 

123.18 

154-30 

186.29 

44 

717 

35-66 

64.97 

95-14 

126.13 

157-98 

190.69 

45 

703 

36.31 

66.42 

97-35 

129.10 

161.68 

195.10 

46 

6.89 

36.98 

67.88 

99-57 

132.07 

165.37 

199.49 

47 

6.71 

37.62 

69.31 

101.77 

135-01 

169.04 

203.88 

48 

6.53 

38.26 

70.73 

103.96 

137-95 

172.71 

208.24 

49 

6.33 

38.87 

72.14 

106.  T  3 

140.86 

176.33 

212.56 

50 

6.13 

39-48 

73-54 

108.3^ 

143-77 

179.95 

216.84 

51 

5-89 

40.07 

74-94 

110.46 

146.67 

183-53 

221.10 

52 

5AS 

40.67 

76.33 

112.62 

M-9-54 

187.11 

^2S.3>2, 

53 

5-39 

41.25 

77.71 

114.76 

152.41 

190.66 

229.52 

54 

5-12 

41.82 

79-09 

T  16.90 

15=; -28 

194-19 

^?,?>'C^7 

55 

4.82 

42.38 

80.46 

1  19.04 

158.11 

197.69 

^?^7-7^' 

5^> 

4-52 

42.94 

81.83 

121. 16 

160.94 

201.14 

241.70 

57 

4.2  T 

43.51 

83.20 

123.28 

163.74 

204.56 

^A>7^ 

5'^ 

3-88 

44.05 

84.57 

125.38 

166.50 

207.94 

249.69 

59 

3-55 

44.60 

85.92 

T  27.46 

l6(;.  25 

211.26 

25349 

60 

3-22 

45.U 

87.26 

129.54 

171.97 

214.51 

257.19 

233 


3'/2% 


Am.  Ex. 


NEW  JERSEY  STANDARD. 

TERMINAL  RESERVES. 
FIFTEEN  PAYMENT  LIFE. 


Age 

^  yj- 

2  yrs. 

3  yrs. 

20 

[2.18 

32.32 

53-24 

21 

2.29 

32.85 

54.22 

22 

2.40 

33-42 

55.24 

23 

2.51 

33-99 

56.30 

24 

2.62 

34-59 

57-39 

25 

2.73 

35-18 

58.50 

26 

2.84 

35.81 

59.65 

27 

2.96 

36.45 

60.85 

28 

3.06 

37-10 

62.06 

29 

3-^7 

37-79 

63.33 

30 

327 

38.47 

64.62 

31 

3-37 

39.18 

65.95 

32 

3-47 

39-40 

67.32 

3.^ 

3-56 

40.64 

68.73 

34 

3-64 

41-39 

70.17 

?,5 

3-73 

42.17 

71.65 

36 

3.80 

42.95 

73- T- 

^7 

3.86 

43-73 

74.69 

38     ] 

3-91 

44-54 

76.26 

39    ] 

3-96 

45-36 

77-88 

40 

3-99 

46.19 

79-52 

4T 

4.00 

47.0^ 

81.21 

42 

4.01 

47-80 

82.91 

43 

4.00 

48.74 

84.64 

44 

3-98 

49.61 

86.40 

45 

3-94 

50.4s 

88.1^ 

46    1 

3.88 

51-31 

89.90 

47 

3.80 

52.13 

91.62 

48 

3-'^9 

52.93 

93-30 

49 

3-5^ 

53-70 

94.95 

50 

3-42 

54-44 

96.57 

5T 

f3-24 

55- T4 

98.15 

52 

3-03 

55.82 

99.69 

53 

2.79 

56.46 

TOT. 17 

54 

2.52 

57-05 

102.59 

5=^ 

r2.2T 

57.59 

103.96 

5^^ 

1.88 

58.09 

105.27 

57 

T-5T 

58.56 

TO6.5T 

58 

T.TT 

58.97 

TO7.68 

59 

0.68 

59.32 

108.76 

60 

0.22 

59.62 

TO9.76 

6t 

9.72 

59.87 

T  10.68 

62 

9.08 

59.96 

TTT.44 

63 

8.62 

60.  T  8 

TT2.2T 

Cm 

8.03 

60.2  T 

TI2.77 

65 

7.40 

60.18 

TT3.2T 

4  yrs. 

5  yrs. 

6  yrs. 

7  yrs. 

74.97 

97-56 

121.03 

145-41 

76.41 

99-48 

123.44 

148.34 

77-92 

101.47 

125.94 

151-37 

79-47 

103.52 

128.53 

154.50 

81.07 

105.65 

131.20 

157-74 

82.70 

107.85 

133-96 

161.09 

84.41 

IIO.II 

136.81 

164.54 

86.16 

112.45 

139.76 

168.10 

87.97 

114.87 

142.78 

171.78 

89.84 

117.36 

145.92 

175-58 

91.75 

1 19.91 

149.14 

179-49 

93-73 

122.56 

152.47 

183.53 

95-77 

125.27 

155-89 

187.67 

97-86 

128.07 

159-41 

191-93 

100.00 

130.94 

163.02 

196.30 

102.20 

133.89 

166.73 

200.80 

T  04.46 

136.89 

170.53 

205.41 

106.75 

T  40.00 

174.44 

210.1; 

109.13 

I43.T6 

T  78.44 

214.99 

1 1 1-55 

146.42 

182.54 

2  T  9.96 

114.03 

H9-75 

186.73 

22!;.02 

T  16.56 

T!;^.T5 

191.01 

2^0.18 

TT9.T4 

T56.6\ 

195.34 

2^:;.J.O 

T2T.75 

t6o.to 

199-73 

240.67 

T  24.40 

167.6^ 

204.  T  4 

2JC.06 

T  27.04 

T67.T6 

208.55 

251-25 

T  29.67 

T  70.67 

212.93 

256.52 

T  32.27 

174-15 

2T7.28 

26T.76 

134-83 

177-59 

22  T  .60 

266.93 

T  37.36 

T  80.97 

225.84 

272.04 

T  39-85 

T84.3I 

230.03 

277.07 

T42.27 

187.59 

234.13 

282.00 

T  44.66 

190.79 

238.15 

286.84 

T  46.96 

193-91 

242.06 

291.54 

149-19 

196.94 

245.86 

296.09 

151.36 

T  99-85 

249.53 

300.49 

T  53-43 

202.66 

253.04 

304.70 

155-42 

205.35 

256.40 

308.72 

157-29 

207.89 

2  59.=;o 

312.52 

159.05 

2T0.29 

262.58 

3  T  6.07 

T60.70 

2  T  2.53 

265.36 

3^9-34 

162.23 

2T4.59 

26:^.ss 

322.31 

163.54 

216.39 

270.  T  2 

324-91 

164.79 

2  T  8.02 

272.06 

327.  IT 

165.79 

2  T  9-34 

273.63 

328.86 

T66.57 

220.36 

274.80 

330.14 

234 


01 

/rv/ 

NEW  J 

ERSEY 

STANDARD. 

A/ 

9% 

TERMINAL  RESERVES. 

v 

Z  /ly 

TEN 

PAYMENT  LIFE 

Am 

,.  Ex. 

Age 

I  yr. 

2  yrs. 

3  yrs. 

4  yrs. 

5  yrs. 

6  yrs. 

7  yrs. 

20 

21.65 

51-67 

82.90 

115-39 

149-21 

184.39 

221.00 

21 

21.90 

52.51 

84-35 

117.46 

151-93 

187.78 

225.11 

22 

22.17 

53-38 

85.84 

II  9.6 1 

154-75 

191.31 

229.36 

-'3 

22.43 

54-27 

87-38 

121.83 

157.66 

194-95 

233-75 

24 

22.71 

55-19 

88.98 

124.12 

160.67 

198.71 

238.29 

25 

22.g8 

56.13 

90.61 

126.47 

163.79 

202.60 

243.00 

26 

23.26 

57-11 

92.31 

128.92 

167.00 

206.62 

247-85 

27 

23-56 

58.12 

94.06 

131-44 

170.32 

210.78 

252.87 

28 

23.8'5 

59-15 

95-86 

134-03 

173-75 

215.06 

258.04 

20 

24-15 

60.22 

97-72 

136.73 

177.29 

219.48 

263.39 

30 

24.44 

61.30 

99-64 

139-48 

180.93 

224.05 

268.91 

31 

24-75 

62.43 

101.61 

142.33 

184.70 

228.76 

274.60 

32 

25-05 

63-58 

103.63 

145.28 

188.57 

233.61 

280.46 

33 

^5-35 

64-76 

105-73 

148.30 

192-57 

238.61 

286.50 

34 

25.66 

65-97 

107.86 

151.40 

196.67 

243-74 

292.70 

35 

25-97 

67.21 

110.06 

154-59 

200.89 

249.02 

299.09 

36 

26.28 

68.47 

112.31 

157-86 

205.20 

254-44 

305-65 

37 

26.58 

69-75 

114.60 

161.20 

209.65 

260.01 

312.40 

38 

26.88 

71.06 

116.96 

164.64 

214.19 

265.72 

319-31 

39 

27.18 

72.39 

119.36 

168.16 

218.87 

271.58 

326.39 

40 

27.46 

73-75 

121.82 

171.76 

223.64 

277.56 

333-63 

41 

27.74 

75-13 

124-34 

175-43 

228.52 

283.68 

341.02 

42 

28.01 

76.53 

126.89 

179.18 

233-49 

289.<jO 

348.54 

43 

28.27 

77-93 

129.48 

182.97 

238-53 

296.22 

356.17 

44 

28.52 

79-37 

132.11 

186.83 

243-63 

302.61 

363-88 

45 

28.75 

80.78 

134-74 

190.71 

248.77 

309-05 

371.66 

46 

28.97 

82.21 

137-39 

194.59 

253.92 

315-50 

379-48 

47 

29.16 

83.61 

140.02 

198.46 

259.07 

32i-<)7 

387-3-1 

48 

29-34 

84-99 

142.61 

202.30 

264.20 

328.44 

395-19 

49 

29.48 

86.34 

145.18 

206. 1 2 

269.30 

334.87 

403-03 

50 

29.61 

87.66 

147.71 

209.90 

274.36 

341.27 

410.83 

5r 

29.70 

88.93 

150.20 

213.61 

279.36 

347-59 

418.58 

52 

29.76 

90.17 

T  52.63 

217.27 

284.27 

3S3-^S 

426.26 

53 

29.77 

9T-35 

154-98 

220.83 

289.10 

360.00 

433.83 

54 

29-75 

92.46 

157-25 

224.29 

293-81 

-^66.02 

441.26 

55 

29.66 

93-49 

I.S9-42 

227.64 

298.36 

371-89 

448-53 

5'^> 

2954 

94-45 

16T.50 

230.85 

302.yy 

?i77-55 

455-60 

57 

29.36 

95.34 

163-45 

233-91 

306.99 

383-02 

462.45 

58 

29.  T  2 

96. 1 2 

165.26 

236.78 

310.97 

3^^-25 

469.05 

59 

28.82 

96.79 

166.92 

239.44 

314.74 

393- 19 

475-33 

60 

28.46 

97.35 

168.40 

24T.91 

318.23 

397-82 

481.28 

61 

28.03 

97.79 

169.71 

244.13 

321.42 

402.10 

486.85 

62 

27.42 

98.0  T 

170.77 

246.03 

324.24 

405.99 

49T.99 

^'3 

26.96 

98.27 

171-73 

247-74 

3-^C^.77 

409-46 

496.66 

^'4 

26.31 

98.27 

172.38 

24<).o6 

3^^-^3 

412.44 

500.80 

'^>5 

25 -V) 

08.12 

^7^-77 

250.01 

330.44 

414.86 

504.35 

235 


V/ 

Wn 

NEW  JE 
TERM] 

:rsey  stanuak 
[nal  reserves 

D. 

0^ 

All- 

2  /U 

1.    I'-.x. 

TWENTY  YEAR  ENDOWMENT. 

Age. 

I   Yr. 

2   Yrs. 

3  Yrs. 

4  Yrs. 

5  Yrs. 

6  Yrs. 

7  Yrs. 

20 

26.52 

61.63 

98.16 

136-19 

175-78 

216.99 

259.90 

21 

26.26 

61.40 

97.98 

136.04 

175-67 

216.91 

259.86 

22 

2599 

61.17 

97-79 

135-90 

175-56 

216.85 

259-83 

23 

25.69 

60.93 

97.60 

135-75 

175-45 

216.78 

259.80 

24 

25.40 

60.69 

97-40 

135-60 

175-34 

216.71 

259-78 

25 

25.08 

60.42 

97.18 

135-43 

175-24 

216.65 

259.76 

26 

24-75 

60.15 

96.97 

135-27 

175-12 

216.58 

259-74 

27 

24.42 

59-87 

96-75 

135-11 

175.01 

216.53 

259-73 

28 

24.06 

59-57 

96.52 

134-93 

174.90 

216.46 

259-72 

29 

23.69 

59.28 

96.29 

134-77 

174-79 

216.41 

259-73 

30 

23.29 

58.96 

96-05 

13459 

174.68 

216.37 

259-74 

31 

22.89 

58-64 

95-80 

134-41 

174-58 

216.33 

259-77 

32 

22.47 

58-31 

95-55 

134.26 

174.48 

216.31 

259.80 

33 

22.03 

57-9<'' 

95-30 

134-09 

174-39 

216.30 

259-85 

34 

21-57 

57-6 1 

95-04 

133-92 

174-32 

216.29 

259.92 

35 

21.10 

57.26 

94-79 

133-77 

174-26 

216.32 

260.03 

36 

20.61 

56.89 

94-54 

133-63 

174.20 

216.36 

260.16 

37 

20.10 

56.51 

94.28 

133-48 

174.19 

216.45 

260.34 

38 

19-57 

56.13 

94.04 

133-38 

174.19 

216.57 

-  260.56 

39 

19.04 

55-74 

93-81 

133-29 

174.25 

216.74 

260.84 

40 

18.47 

55-36 

93-59 

133-24 

174-34 

216.96 

261.16 

41 

17.89 

54-98 

93-41 

133-21 

174-47 

217.22 

261.53 

42 

17-30 

54.61 

93-23 

133-23 

174-64 

217.52 

261.95 

43 

16.69 

54-22 

93-07 

133-26 

■74-85 

217.87 

262.38 

44 

16.06 

53-87 

92.94 

133-34 

175.08 

218.23 

262.84 

43 

15.42 

53-49 

92.81 

133-41 

175-32 

218.60 

263.29 

4C. 

U-77 

53- '3 

92.70 

133-50 

175-57 

218.97 

263.76 

47 

14.10 

52-75 

92.57 

133-.58 

175.82 

219-35 

264.24 

48 

13-42 

52.38 

92.45 

133-67 

1 76.09 

219.76 

264.72 

49 

^^■73 

5  •  -99 

92.33 

U3-77 

176-37 

220.16 

265.21 

50 

12.05 

5 1  -63 

92.23 

i33-';i 

176.68 

220.60 

265-73 

51 

1 1  -34 

51-25 

92.16 

1 34.06 

177-03 

221.07 

266.29 

52 

10.64 

50.91 

92.12 

134-27 

177-42 

221.61 

266.90 

"53 

9-93 

50.58 

92.10 

134-52 

^77  ■»7 

222.20 

267.58 

54 

923 

50.28 

92.14 

134-83 

1 78.40 

222.S7 

268.32 

55 

8.51 

49.98 

92.21 

135-20 

178.98 

223.61 

269.12 

5<^^ 

7.82 

49.73 

<)2.34 

135-63 

179.64 

224.41 

270.00 

57 

7- 1 3 

49-53 

92.53 

136.14 

180.39 

225.30 

270.96 

58 

6.45 

49-34 

92.77 

136.71 

181.19 

226.27 

271.98 

59 

5-78 

49.20 

93.06 

U733 

182.08 

227.7,0 

^73-05 

ho 

5-K3 

49.10 

93-41 

I  ^"^.06 

18^.05 

228.41 

27417 

236 


3^/ 

^% 

NEW  JERSEY  STANDARD. 
TERMINAL  RESERVES. 

U'^- 

^/u 

FIFTEEN 

YEAR  ENDOWMENT. 

Am 

.  Ex. 

Age. 

I  Yr. 

2  Yrs. 

3  Yrs. 

4  Yrs. 

5  Yrs. 

6  Yrs. 

7  Yrs. 

20 

42.73 

94.74 

148.92 

205-35 

264.15 

325-40 

389-23 

21 

42.46 

94-50 

148.71 

205.17 

264.01 

325-29 

389-17 

22 

42.18 

94.26 

148.50 

205.01 

263.87 

325-19 

389.10 

-\S 

4T.87 

94.00 

148.29 

204.83 

2Ci7,.y2 

325-09 

389-03 

^4 

41-57 

93-74 

148.06 

204.64 

263.57 

32497 

388.96 

25 

41.24 

03-45 

147-81 

204.43 

263.42 

324.86 

388.88 

26 

40-90 

93- '6 

^47-5^' 

204.22 

263.25 

324.73 

388.80 

-7 

40.55 

92.85 

147-31 

204.01 

263.07 

324.61 

388.72 

28 

40.18 

92.52 

U7-03 

203.78 

262.90 

324-47 

388.63 

29 

39-79 

92.19 

146-75 

203.55 

262.72 

324-33 

388.54 

30 

39-38 

91.83 

146.45 

203.30 

262.51 

324-19 

388.45 

31 

38-95 

91.47 

146.14 

203.04 

262.31 

324-04 

388.36 

32 

38.50 

91.08 

145-81 

202.78 

262.10 

323-88 

388.25 

33 

38-04 

90.68 

145-48 

202.51 

261.88 

323.72 

^^■'^ 

34 

37-54 

90.26 

145.12 

202.22 

261.65 

323-54 

388.01 

35 

37-04 

89.83 

144-76 

201.91 

261.41 

323-36 

387-89 

36 

36-50 

89-38 

144-38 

201.60 

261.15 

323-17 

387-76 

37 

35-94 

88.89 

U3-97 

201.26 

260.90 

322.98 

387-63 

38 

35-36 

88.40 

U3-56 

200.94 

260.64 

322.79 

387-51 

39 

34-75 

87-89 

143-14 

200.61 

260.39 

322.61 

^^!7-39 

40 

34-12 

87-37 

142.71 

200.28 

260.14 

322.43 

387.28 

4T 

33-46 

86.83 

142.29 

199.94 

259.90 

322.26 

387.16 

42 

32-77 

86.28 

141.84 

199.61 

259.64 

322.07 

387-03 

43 

32-06 

85.69 

141.40 

199-25 

259-38 

321.88 

386.88 

44 

31-33 

85.  T  2 

140.94 

198.90 

259.10 

321.65 

386.68 

45 

30-57 

84-50 

140.46 

198.52 

258.78 

321.38 

386.44 

46 

29-79 

83.88 

139.96 

198.10 

258.42 

321.04 

386.13 

47 

28.97 

83.22 

139-41 

197-63 

258.00 

320.65 

385-76 

48 

28.13 

82.52 

138.81 

197.10 

^S762 

320.20 

385-30 

49 

27.2> 

81.79 

138.18 

196.54 

256.99 

319-67 

384-77 

50 

26.39 

81.04 

137-52 

195-93 

256.41 

319-09 

384-16 

51 

25-47 

80.25 

136.83 

195-28 

255-77 

318.43 

383-48 

52 

24-54 

79-45 

136.10 

194.60 

255-08 

317-73 

Z^2.72 

53 

23-58 

78.61 

135-33 

193-87 

254.35 

316.94 

381.88 

54 

22.59 

77-75 

134-54 

193.09 

253-56 

316.10 

380.94 

55 

2r.58 

76.85 

133-72 

192.29 

252.71 

315-18 

379.92 

5^> 

20.55 

75-95 

132.88 

191-45 

251.82 

31419 

378.80 

57 

19.5  T 

75-04 

132.02 

190.58 

250.89 

3 1 3- 13 

377.60 

58 

T8.45 

74.T0 

131-14 

189.68 

249.89 

312.01 

376.29 

59 

17-38 

73-^5 

130.23 

188.73 

248.85 

310.80 

374.87 

(^ 

16.30 

72.20 

129.31 

187-76 

247.76 

309-50 

373-31 

61 

15.20 

7f-23 

128.36 

186.76 

246.59 

308.08 

371-59 

62 

T4.OO 

70.16 

127-34 

[85.64 

245-28 

306.52 

369.67 

63 

12.99 

69.25 

126.39 

184-55 

243-03 

304-79 

367-50 

^>4 

TI.88 

68.22 

125-32 

18331 

242.38 

302.84 

36504 

''>5 

10.76 

67.18 

124.20 

18F.96 

240.67 

300.64 

362.28 

237 


3'4% 


Am.  Ex. 


NEW  JERSEY  STANDARD. 

TERMINAL  RESERVES. 
TEN  YEAR  ENDOWMENT. 


Age. 

I  Yr. 

2  Yrs. 

3  Yrs. 

4  Yrs. 

5  Yrs. 

6  Yrs. 

7  Yrs. 

20 

75-97   1 

62.65 

25300 

347.18 

445.37 

547.75 

654.49 

21 

75-69 

62.40 

252.79 

347.00 

445.23 

547.64 

654.44 

22 

75-40   ] 

62.15 

252.57 

346.82 

445.08 

547-54 

654.38 

^Z 

75-09 

61.88 

252.34 

346.63 

444.92 

547-43 

654.32 

24 

74.78   ] 

61.60 

252.09 

346.42 

444.76 

547-31 

654.26 

-5 

74-45   1 

61.30 

251.83 

346.20 

444.60 

547-19 

654.19 

26 

74.10 

60.99 

25T.56 

345-97 

444-41 

547-05 

654.12 

27 

73-74 

60.67 

25 1 .28 

345-74 

444.22 

546.92 

654.04 

28 

73-35   1 

60.32 

250.98 

345-48 

444-02 

546.77 

653-96 

29 

72-95 

59.98 

250.67 

345-22 

443-81 

546.61 

653-87 

30 

72.53 

59-59 

250.34 

344-93 

443-57 

546.45 

653-77 

3^ 

72.09   ] 

59.20 

249.99 

344-64 

443-34 

546.27 

653-67 

32 

71.62   ] 

58.78 

249.63 

344.34 

443-08 

546.09 

653.55 

33 

71.14 

58.34 

249-25 

344.00 

442.82 

545.89 

653.43 

34 

70.62 

57-88 

248.84 

343.65 

442.53 

545-66 

653-29 

35 

70.09 

57-4  T 

248.42 

343.29 

442.23 

545-43 

653-U 

3^^ 

69-53 

56.90 

247.97 

342.90 

441.89 

545-17 

652.98 

?>7 

68.93 

56.36 

247-47 

342.46 

441.54 

544.90 

652.80 

38 

68.31 

55-80 

246.98 

342.03 

441.16 

544.61 

652.60 

39 

67.66 

55-20 

246.44 

341.56 

440.77 

544.30 

652.39 

40 

66.97 

54-59 

245.88 

341.07 

440.35 

543.96 

652.16 

41 

66.25 

53-93 

245.30 

340.55 

439.91 

543 -60 

651.90 

42 

65-5  T 

53-26 

244.68 

340.0  T 

439.43 

543-20 

651.62 

43 

64-72 

52.53 

244.04 

339.42 

438.92 

542.78 

651.29 

44 

63.91 

51.80 

243.36 

338.81 

438.36 

542.30 

650.92 

45 

63-05 

5 1. or 

242.64 

338.14 

437-75 

541-77 

650.50 

46 

62.16 

50.19 

241.87 

337.41 

437-07 

541-15 

6so.oo 

47 

61.23 

40-3  T 

241.03 

336.59 

436.30 

540.46 

649.44 

48 

60.27 

48.39 

240.12 

335.71 

435.46 

539.69 

648.79 

49 

59-27 

47-40 

239.14 

334.74 

434.52 

538.81 

648.06 

50 

58.24 

[46.37 

238.10 

333.70 

433.49 

537.85 

647.23 

5T 

57-^6 

f45-27 

236.99 

332.56 

A?,2?,7 

536.78 

646.30 

52 

56.04 

44-^3 

235.80 

331.34 

431.13 

535-60 

645.27 

53 

54.87 

[42.91 

234.51 

330.0  T 

429.79 

534-.30 

644.11 

54 

53.67 

[41.63 

233.  ^S 

^^^■S7 

428.33 

532.87 

642.83 

55 

52.40 

40.26 

231.69 

327.03 

426.72 

531.30 

641.40 

56 

51.10 

[38.84 

230.14 

325.36 

424.98 

529-56 

639.82 

57 

49.75 

37-35 

228.49 

323.57 

423.09 

S27.es 

638.07 

58 

48.34 

f  35-77 

226.73 

321.63 

421.02 

525-58 

636.13 

59 

46.89 

[34.  IT 

224.84 

319.53 

418.78 

523-29 

633-99 

60 

45.40 

[32.37 

222.84 

317.29 

416.35 

520.80 

631.61 

61 

43.85 

[30.55 

220.71 

3U.89 

413.72 

518.06 

629.00 

62 

42.  T  5 

[28.54 

218.40 

312.24 

4 1 0.8  T 

515.06 

f)2C^.  I  I 

63 

40.61 

[26.63 

216.06 

309.50 

407.74 

5  IT. 78 

622.91 

64 

38.92 

[24.52 

213.49 

306.48 

404.34 

508.16 

619.36 

65 

37.19 

[22.30 

210.74 

303.20 

400.60 

504.14 

615.40 

238 


3'/2% 


Am.  Ex. 


NEW  JERSEY  STANDARD. 

MEAN  RESERVES. 

WHOLE  LIFE. 


Age. 

I   Yr. 

2  Yrs. 

3  Yrs. 

4  Yrs. 

5  Yrs. 

6  Yrs. 

7  Yrs. 

20 

Z-77 

I  1 .08 

18.6T 

26.38 

34-39 

42.65 

51-17 

21 

3-79 

11.41 

•  19.26 

27-35 

35-70 

44-3 1 

53-17 

22 

3.82 

11.76 

19.94 

28.38 

37-08 

46.03 

55-28 

^Z 

3-84 

12.12 

20.66 

29-45 

38.51 

47-85 

57-49 

24 

3.87 

12.50 

21.41 

30.57 

40.02 

49.76 

59-79 

25 

3-90 

12.90 

22.18 

31-74 

41.60 

51-74 

62.21 

26 

3-93 

1333 

23.01 

32.98 

43-25 

53-84 

64-75 

27 

3-96 

i3-7^> 

23-87 

34.26 

44-98 

56.02 

67-39 

28 

3-99 

14.22 

24.76 

35-61 

46.80 

58.31 

70.16 

29 

4-03 

14.71 

25.70 

37-04 

48.70 

60.70 

73.06 

30 

4.07 

15.22 

26.70 

38.52 

50.70 

63.22 

76.10 

31 

4.11 

1576 

27-74 

40.07 

52-78 

65-85 

79.29 

32 

4.16 

16.32 

28.83 

41.71 

54-97 

68.60 

82.62 

33 

4.21 

16.91 

29.98 

43-43 

57.26 

71-47 

86.09 

34 

4.27 

17-54 

31.20 

45-23 

59-67 

74-49 

89-72 

35 

4-32 

18.19 

32.46 

47.12 

62.18 

77-65 

93-54 

36 

4-39 

18.88 

33-78 

49-08 

64.81 

80.94 

97-51 

37 

4.46 

19.61 

35-16 

51-15 

67.56 

84-39 

101.67 

38 

4-55 

20.38 

36.63 

53-31 

70.44 

88.01 

106.02 

39 

4-63 

21.18 

38.16 

55-59 

73-47 

91.80 

110.58 

40 

4-73 

22.02 

39-78 

57-98 

76.64 

95-76 

1 15-31 

41 

4-83 

22.92 

41.47 

60.48 

79-96 

99.88 

120.25 

42 

4-95 

23.87 

43.26 

6^.11 

83-41 

104.17 

125-36 

43 

.5.08 

24.86 

45-T2 

65-84 

87.01 

108.62 

130-65 

44 

5-23 

25.90 

47.06 

68.67 

90.74 

113.21 

136.08 

45 

5-39 

27.00 

49.08 

71.62 

94.5'-» 

1 1 7-93 

141.66 

46 

5-59 

28.16 

51.20 

74-67 

98.53 

122.77 

147-36 

47 

5.80 

29-37 

53-38 

77-79 

102.58 

127.72 

153-20 

48 

6.04 

30.62 

55-60 

80.98 

106.73 

132-79 

159.16 

49 

6.33 

31.92 

57-92 

84.27 

110.97 

137-97 

165.24 

50 

6.66 

33-29 

60.3 1 

87-67 

^^sr:^ 

143-20 

171.47 

51 

7.02 

34-73 

62. 71) 

(;i.i7 

I  11 1.84 

148.74 

177-84 

52 

7-43 

36.22 

65-3^^ 

'n-77 

'  24-44 

'  54-3 ' 

184-35 

53 

7.89 

37-8 1 

68.02 

()8.4() 

12(M7 

1 00.03 

1()1.0I 

54 

8.40 

.^')-4^' 

70.78 

102.31 

'3404 

165.88 

i()7.8o 

55 

8.97 

41. IS 

73-63 

106.25 

1  3(j.02 

171-85 

204.72 

56 

9.61 

4.V<>' 

76.60 

110.33 

'44-13 

177-06 

211.76 

57 

10.31 

44-93 

79.67 

1 14.51 

'40.38 

184.20 

218.94 

58 

1 1 .08 

46.92 

82.85 

118.80 

1.S4. 72 

190.55 

22h.2T, 

59 

1 1 .94 

49.02 

86. 1  ^ 

123.20 

160.18 

197.02 

233-61 

60 

12.90 

5  r  .24 

89.53 

127.74 

K.5.78 

20T,.S'^ 

241.08 

61 

13-95 

53-55 

93.05 

K\^}.^ 

'll-^'! 

210.25 

248.62 

62 

15.12 

56.00 

96.71 

137.16 

^77 --7 

2l6.()() 

256.21 

^•3 

16.40 

.58.57 

100.46 

142.02 

183.16 

^^^■77 

2C^Ti,.^2 

^>4 

17.81 

61.25 

104.34 

U6.<;7 

i8<).()S 

230.O0 

271^2 

^'5 

1939 

64.08 

i'>8.33 

1 52.02 

i<)5.oS 

23744 

279.02 

66 

21.12 

67.06 

112.43 

'  V  - '  5 

201.12 

244-3 ' 

286.6() 

67 

23.02 

70.17 

1 1 6.64 

'62.35 

20^.22 

25 1 .27 

204.55 

68 

25.12 

73-45 

1 20.98 

167.65 

213-45 

2.58.45 

?.<^-^-77 

60 

27.42 

76.90 

'25-47 

173. '4 

2i<).97 

260.01) 

3"-6k^ 

70 

2';.<;5 

80.54 

1 30. 1 9 

178..V- 

227.00 

27-\-?.>^ 

321.24 

239 


3'/2% 


NEW  JERSEY  STANDARD. 

MEAN  RESERVES. 
TWENTY  PAYMENT  LIFE. 


Am. 

Ex. 

Age. 

I  Yr. 

2  Yrs. 

3  Yrs. 

4  Yrs. 

5  Yrs. 

6  Yrs. 

7  Yrs. 

JO 

1. 17 

26.20 

41.79 

57-90 

74.74 

92.15 

110.22 

21 

1.24 

26.61 

42.57 

59-11 

76.28 

94.09 

112.57 

22 

1.30 

27.05 

43-36 

60.30 

77.87 

96.08 

114.99 

23 

ti-35 

27.47 

44.19 

61.52 

79-51 

98.15 

117.50 

24 

[1.42 

27-93 

45.06 

62.81 

8l.2[ 

100.31 

120.10 

25 

1.48 

28.40 

45-94 

64. 1 2 

82.97 

102.51 

122.79 

26 

1-54 

28.88 

46.85 

65.48 

84.78 

104.80 

125-56 

27 

1.60 

29-37 

47.79 

66.87 

86.66 

107.17 

128.43 

28 

1.65 

29.87 

48.76 

«>X.3_> 

88.60 

109.61 

131-39 

29 

1.70 

30.40 

49. 7() 

(.9.S2 

90.61 

112.13 

134-45 

30 

1.76 

30-93 

50.79 

71.36 

92.67 

114.74 

137.61 

31      J 

1.80 

31-48 

51-85 

72-95 

94.81 

117.44 

140.87 

32 

[1.86 

32-05 

52-95 

74-59 

97.01 

120.21 

144-23 

33 

[1.90 

32-63 

54-08 

76.29 

99-28 

123.06 

147-68 

34 

11.94 

33-23 

55.26 

78.04 

101.62 

126.01 

151-25 

35 

1.97 

33-84 

56.46 

79-84 

104.03 

129.05 

154.93 

3^' 

[2.02 

34-47 

57.70 

81.70 

106.52 

132.17 

158.71 

?>7 

2.04 

y>^2 

58.96 

83.61 

109.08 

135-39 

162.61 

38 

2.08 

35-79 

60.28 

85.58 

111.72 

138.72 

166.62 

39 

2.1  I 

36.48 

61.63 

87.61 

114.45 

142.15 

170-75 

40 

2.14 

37-18 

63.04 

89.72 

117.26 

145.68 

175.00 

41 

[2.16 

37-91 

64.48 

91.88 

120.15 

149-30 

179-35 

42 

2.19 

38.68 

6^.98 

94-13 

123-13 

153-01 

183.78 

43 

[2.2T 

39-45 

^^7-5^ 

96.42 

126.18 

156.80 

188.30 

44 

2.24 

40.25 

rK;.o(; 

98.76 

129.28 

160.64 

192.86 

45 

2.26 

41.08 

70.70 

101.15 

132-43 

164.52 

197.46 

46 

[2.32 

41.94 

72.36 

103.59 

135-60 

168.43 

202.07 

47 

[2.36 

42.81 

74.03 

106.03 

138.80 

172.36 

206.72 

48 

2.43 

43.70 

7S-7- 

108.49 

142.02 

176.31 

211.38 

49 

[2.S2 

44.61 

77-43 

1 10.97 

145-25 

180.26 

216.03 

50 

2.64 

45-55 

79.17 

113-49 

148.53 

184.26 

220.70 

51 

2.77 

46.52 

80.9; 

1 16.05 

151.83 

188.27 

225.39 

S^ 

2.94 

47-54 

^2.7^ 

118.65 

155.17 

192.31 

230.11 

53 

[3- 14 

48.59 

84-65 

121.30 

158.55 

196.39 

234-84 

54 

^?>-?>^ 

49.69 

86.57 

124.00 

161.99 

200.52 

239.00 

55 

[3.66 

50.84 

88.55 

1 26.75 

165.47 

204.67 

244-38 

56 

[4.OT 

52-07 

90.60 

129-59 

169.01 

208.87 

249.17 

57 

[4.41 

53-36 

92.72 

132.47 

172.61 

213. TO 

253-99 

58 

[4-85 

54.70 

94.90 

135-42 

176.25 

217.38 

258.83 

59 

15.38 

56.13 

97.17 

138.45 

179.96 

221.71 

263.68 

60 

[6.02 

57.68 

99-53 

141.57 

183.76 

226.08 

268.53 

240 


^  I    .  NEW  JERSEY  STANDARD. 

\Afi^  MEAN  RESERVES. 

\l  ^2  /yJ  FIFTEEN  PAYMENT  LIFE. 


Am.  Ex. 


2  Yrs.  3  Yrs.  4  Yrs.  5  Yrs.  6  Yrs.  7  Yrs. 

3544  55-95  77-^^  9940  122.41  146.31 

35-99  56-94  7^-70  101.30  124.80  149.21 

36.58  57.97  80.20  103.29  127.27  152.20 

37.15  59.02  81.73  105.33  129.83  155.30 

37.76  60.12  83.33  107-44  132-49  15^-50 

38.38  61.24  84.97  109,62  135-22  161.82 

39.03  62.41    86.68  1 1 1.87  138.05  165.24 

39.68  63.60    88.42  114.20  140.97  168.77 

40.36  64.83    90.23  116.61  143-98  172.41 

41.06  66.11    92.11  119.09  147.10  176.18 

41.78  67.42    94.03  121.65  150.31  180.06 

42.51  68.77    96.01  124.29  153-62  184.07 

43.27  70.16    98.05  127.00  157-03  188.19 

44.05  71.59  100.16  129.80  160.53  192.43 

44.84  73.07  102.33  132.68  164.14  196.79 

45.66  74-58  104-55  135-63  167-86  201.27 

46.49  76.12  106.83  138.66  171-65  205.87 

47-34  77-71  109.18  141-79  175-58  210.51 

48.22  79.34  111.59  144-99  179-60  215.47 
49.11  81.02  114.06  148.28  183.73  220.45 

50.02  82.74  116.61  151.66  187.97  225.55 
S0.95  84.50  119.21  155.13  192.29  230.76 
51.92  86.31  121.88  158.66  196.71  236.05 

52.89  88.15  124.60  162.26  201.19  241.41 
53.88  90.03  127.36  165.92  205.72  246.83 

54.90  91.93  130.16  169.60  210.28  252.26 
55-94  93-88  132.99  173.30  214.86  257.71 
56.99  95.82  135-82  177.00  219.43  263.16 

58.03  97.75  138.62  180.69  223.99  268.58 

59.08  99.70  141-44  184.37  228.52  2'J2,.C)'J 

60.15  IOT.64  144-25  188.04  233.04  2'J().2,}, 

61.23  103.59  147.06  191.69  237.53  284.64 
62.31  105.55  149-86  195-32  241.96  289.89 
63.42  107.50  152.65  198.92  246.36  295.07 
64.52  109.45  155.41  202.48  250.70  300.16 
65.65  II  1.41  158.17  206.00  254.96  305-17 
66.81  113.38  160.93  209.49  259.17  310.06 
67.99  115.35  163.65  212.94  263.28  314-84 
69.19  117-33  166.35  216.31  267.32  319-49 
70.42  119-31  169.02  219.63  271.25  323-99 
71.71  121.31  171.69  222.91  275.07  l^'^.}^^ 
73.03  123.34  174-34  226.13  2'j?>.'j%  33246 
74.41  125.39  176.97  229.24  282.32  336-38 
75.86  127.45  179-55  232.26  285.69  340.04 
77.36  129.52  182.09  235.15  288.86  343-40 
78.95  131.62   184.58  237.92  291.81  346.46 


Age. 

I  Yr. 

20 

15-69 

21 

15-83 

22 

15-97 

^2> 

16.09 

24 

16.23 

25 

16.37 

26 

16.51 

27 

16.65 

28 

16.78 

29 

16.92 

30 

17-07 

31 

17.20 

7^2 

17-35 

ZZ 

17-48 

34 

17.62 

35 

17-75 

36 

17.89 

Z7 

18.02 

38 

18.16 

39 

18.29 

40 

18.42 

41 

18.53 

42 

18.66 

43 

18.78 

44 

18.90 

45 

19.01 

46 

19.16 

47 

19.29 

48 

19.42 

49 

19-58 

50 

19.76 

51 

19-94 

52 

20.14 

53 

20.36 

54 

20.60 

55 

20.86 

S6 

21.18 

57 

21.51 

58 

21.88 

59 

22.31 

(yo 

22.8[ 

61 

23-37 

62 

24.01 

63 

24-73 

64 

25-56 

65 

26.53 

241 


3'/ 

2% 

NEW  JERSEY  STANDAI 
MEAN  RESERVES. 

^D. 

\3' 

I  /u 

TEN 

PAYMENT  LIFE 

Am 

i.  Ex. 

Age. 

I   Yr. 

2  Yrs. 

3  Yrs. 

4  Yrs. 

5  Yrs. 

6  Yrs. 

7  Yrs. 

20 

24.97 

54-39 

85.00 

116.S4 

149-98 

184.45 

220.33 

21 

25-24 

55-24 

86.45 

118.90 

152.66 

187.81 

224.37 

22 

25-53 

56.12 

87-93 

121.02 

155-46 

191.28 

228.56 

23 

25.81 

57.00 

89.46 

123.21 

158.33 

194.87 

232.89 

-M 

2O.1  [ 

57-94 

91-05 

125.49 

161.31 

198.59 

237-37 

25 

26.40 

58.89 

92.68 

127.82 

164.39 

202.42 

242.00 

26 

26.71 

59-88 

94-38 

130.26 

167.57 

206.39 

246.79 

27 

27.03 

60.90 

96.12 

132.75 

170.86 

210.49 

251-74 

28 

27-34 

61.94 

97-92 

135-33 

174-25 

214.73 

256.85 

29 

27.67 

63.02 

99-77 

138.00 

177.76 

219.10 

262.12 

30 

28.00 

64.13 

101.70 

140.75 

181.37 

223.62 

267.58 

31 

28.33 

65.27 

103.67 

143-58 

185.10 

228.28 

273.20 

32 

28.69 

66.45 

105.70 

146.51 

188.96 

233-09 

278.99 

33 

29.03 

67.66 

107.80 

149-53 

192.92 

238.03 

284.96 

34 

29-39 

68.89 

109.96 

152.63 

197.00 

243.12 

291.10 

35 

29.74 

70.16 

1 12.17 

155-82 

201.19 

248.37 

297-43 

36 

30. 1 1 

71.46 

114.44 

159.08 

205.49 

253-74 

303-92 

37 

30.47 

72.80 

116.76 

162.45 

209.83 

259-28 

310.61 

38 

30.85 

74-17 

1 19.16 

165.90 

214.47 

264.96 

3  J  7-47 

39 

31.22 

75-56 

121.60 

169.43 

219.14 

270.80 

324-51 

40 

31.60 

76.98 

124.12 

173-07 

223.92 

276.77 

331-71 

41 

31-97 

78.43 

126.68 

176.77 

228.81 

282.88 

339-08 

42 

32.35 

79-93 

129.31 

180.58 

233.81 

289.12 

346.59 

43 

?>^-7Z 

8T.44 

131-99 

184-45 

238.91 

295-47 

354-23 

44 

33-11 

82.98 

134-71 

188.37. 

244.08 

301.90 

361.97 

4| 

33-50 

84-55 

137-47 

192.37 

249-32 

308.42 

369.80 

46 

33-91 

86.14 

140.28 

196.40 

254.59 

314.97 

377-68 

47 

34-30 

87-74 

143.10 

200.45 

259-89 

321.57 

385-63 

48 

34.71 

89-35 

145.90 

204.48 

265.20 

328.18 

393.60 

49 

35-^3 

■  90.95 

148.72 

208.52 

270.50 

334-79 

401.57 

50 

35-57 

92.57 

152.53 

212.56 

275.81 

341.40 

409-55 

51 

36.01 

94.19 

154-35 

216.59 

281.09 

347-98 

417-50 

52 

36.46 

95.81 

1 57-^5 

220.59 

286.32 

354-51 

425-41 

53 

36.92 

97.42 

159-92 

224.56 

291.52 

361.00 

433-26 

54 

37-39 

99.02 

161.66 

228.46 

296.64 

367-39 

441.00 

55 

37-86 

100.60 

165.36 

232.31 

301.67 

?^7?^-^7 

448.64 

56 

?>^-?>7 

102.18 

168.04 

236. 1 1 

306.61 

379-84 

456.13 

57 

38.87 

103.74 

170.65 

239.80 

311-44 

385-85 

463-45 

58 

39-38 

105.27 

173-19 

243-38 

316.09 

391.68 

470.58 

59 

39-92 

106.77 

175-67 

246.84 

320.60 

397-33 

477-47 

60 

40.51 

108.27 

T  78.07 

250.19 

324-95 

402.73 

484.10 

61 

41.12 

109.74 

1 80.40 

253-40 

329.08 

407.89 

490.43 

62 

4T.76 

III.T9 

T  82.66 

256.47 

332.99 

412.77 

496.44 

63 

42.46 

112.63 

184.81 

259.34 

336.67 

417-32 

502.07 

64 

43.21 

114.04 

186.86 

262.04 

340.04 

421.52 

507.29 

65 

44-06 

115-45 

188.81 

264.51 

343-11 

425-31 

512.03 

?42 


y/ 

>% 

NEW  JERSEY  STANDAF 
MEAN  RESERVES. 

ID. 

u^^ 

i  r^ 

TWENTY 

YEAR  ENDOWMENT. 

Am 

.  Ex. 

Age. 

I   Yr. 

2  Yrs. 

3  Yrs. 

4  Yrs. 

5  Yrs. 

6  Yrs. 

7  Yrs. 

20 

29.74 

64.14 

99-94 

137.20 

176.00 

216.37 

258.41 

21 

29-5 1 

<J3-95 

99-79 

137-09 

175-91 

216.33 

258.40 

22 

29.27 

63.76 

99-63 

136-97 

175-84 

216.28 

258.40 

23 

29.00 

<J3-53 

99.46 

136.84 

175-75 

216.24 

258.40 

24 

28.74 

63-32 

99-30 

136.73 

175-67 

216.21 

258.40 

25 

28.46 

63.09 

99.12 

136.59 

175.60 

216.17 

258.41 

26 

28.17 

62.86 

98.94 

136.48 

175-51 

216.14 

258.43 

27 

27.87 

62.61 

98-75 

136.34 

175-45 

216.12 

258.46 

28 

27-55 

62.36 

98.56 

136.21 

175-37 

216.10 

258.49 

29 

27.22 

62.10 

98.37 

136.09 

175-31 

216.09 

258.54 

30 

26.88 

61.84 

98.18 

135-96 

175-25 

216.11 

258.60 

31 

26.52 

61.56 

97.98 

135-83 

175.20 

216.12 

248.68 

32 

26.16 

61.29 

97-79 

135-73 

175-17 

216.16 

258.78 

?,3 

25-77 

61.00 

97-59 

135-62 

175- 13 

216.19 

258.89 

34 

25-39 

60.71 

97.41 

135-52 

175-13 

216.27 

259-03 

35 

24.97 

60.42 

97-23 

135-44 

17514 

216.37 

259.22 

36 

24.56 

60.13 

97-05 

135-37 

175-17 

216.49 

259-43 

37 

24-13 

59-84 

96.88 

135-33 

175-24 

216.67 

259-70 

38 

23.70 

59-55 

96.74 

135-31 

175-34 

216.89 

260.03 

39 

23.26 

59-27 

96.60 

135-33 

175-50 

217.17 

260.42 

40 

22.81 

58.99 

96.51 

135-39 

175-71 

217.52 

260.88 

41 

22.33 

58.72 

96-43 

135-49 

175-97 

217.91 

261.39 

42 

21.88 

58.49 

96.40 

135-66 

176.29 

218.38 

261.98 

43 

21.40 

58.26 

96.39 

135-85 

176.67 

218.91 

262.62 

44 

20.93 

58.05 

96.43 

136-09 

177.11 

219.49 

263.31 

45 

20.46 

57-87 

96.49 

136.38 

177-58 

220.10 

264.02 

46 

20.02 

57-72 

96.61 

136.73 

178.08 

220.75 

264.77 

47 

19-58 

57-59 

96.75 

137-09 

178.63 

221.44 

265.58 

48 

19.16 

57-49 

96.92 

117-49 

'7953 

222.19 

266.43 

49 

18.77 

57-42 

97- 14 

137-94 

179.88 

•222.98 

267.32 

50 

18.42 

57-41 

97-41 

138.46 

180.60 

223.86 

268.29 

51 

18.09 

57-43 

97-75 

139.06 

181.41 

224.82 

269.35 

52 

17.81 

57-52 

98.17 

139.74 

182.^50 

225.^7 

270.51 

53 

17-57 

57-69 

98.67 

140.53 

183.32 

227.05 

271.80 

54 

17-39 

57-93 

99-27 

141-44 

184.46 

22^.37 

273-22 

55 

17.26 

58.24 

99-98 

142.46 

185.74 

229.82 

27477 

5^' 

17.22 

58.68 

TOO. 81 

143-64 

187.15 

231.42 

276.47 

57 

•7-25 

59-21 

101.77 

144-95 

188.74 

233-18 

27».33 

5« 

^7-35 

59.84 

102.86 

146.40 

190.47 

235- 10 

280.35 

59 

^7-55 

60.60 

104.09 

148.00 

192.36 

23720 

2^2.S3 

60 

^7-^7 

61.51 

105.48 

149.80 

194.4^' 

23«)-47 

284.87 

243 


3'/ 

7% 

NEW  JERSEY  STANDAl 
MEAN  RESERVES. 

RD. 

u^- 

I  /U 

FIFTEEN 

YEAR  ENDOWMENT. 

Am 

.  Ex. 

Age. 

I   Yr. 

2  Yrs. 

3  Yrs. 

4  Yrs. 

5  Yrs. 

6  Yrs. 

7  Yrs. 

20 

45-('i 

9^'.57 

'4<;-^»5 

204.93 

262.53 

322.53 

385-05 

21 

45-37 

96.36 

149-47 

204.78 

2(.2.4I 

322.45 

385-01 

22 

45-13 

96.19 

149.29 

204.64 

262.31 

322.37 

384.96 

23 

44.85 

95.91 

149.10 

204.48 

262.18 

322.29 

384.92 

24 

44-58 

95-68 

148.91 

204.33 

262.06 

322.21 

384.87 

25 

44.28 

95.43 

148.69 

204.15 

261.93 

322.11 

384.82 

26 

43-98 

95-18 

148.48 

203.99 

261.79 

322.02 

384.77 

27 

43.66 

94-90 

148.25 

203.80 

261.66 

321.92 

384.72 

28 

43-33 

94-62 

148.02 

203.61 

261.52 

321.83 

384.67 

29 

42.()8 

94-32 

147-77 

203.42 

261.38 

321-73 

384.62 

30 

42.63 

94.02 

147-52 

203.22 

261.23 

321.64 

384.57 

31 

42.24 

93-70 

147.26 

203.01 

261.07 

321.53 

384.52 

?>2 

41.85 

93-37 

146.98 

202.79 

260.9 1 

321.43 

384.46 

33 

4 1 -44 

93-03 

146.70 

202.58 

260.75 

321.31 

384.40 

34 

41.02 

92.67 

146.42 

202.36 

260.59 

32 1 .20 

384.35 

35 

40.57 

92.30 

146.12 

202.12 

260.41 

321.09 

384.29 

36 

40.1 1 

91.92 

145.82 

201.88 

260.23 

320.97 

384.24 

37 

39.63 

9^-53 

145.50 

201.64 

260.06 

320.87 

384.19 

38 

39.15 

91-13 

145.18 

201.40 

259.90 

320.78 

384.16 

39 

38.63 

90.72 

144.86 

201.17 

259-75 

320.70 

384.15 

40 

38.11 

90.30 

144.55 

200.95 

259.61 

320.64 

384.15 

41 

37.56 

89.88 

144.24 

200.74 

259-49 

320.59 

384.17 

42 

37.01 

89.46 

143.94 

200.55 

259-38 

320.56 

384.20 

43 

36.44 

89.03 

143.64 

200.36 

259.28 

320.53 

384.22 

44 

35.86 

88.60 

143.35 

200.17 

259-19 

320.50 

384.23 

45 

35-27 

88.18 

143.05 

200.00 

259.10 

320.45 

384-22 

46 

34.70 

^7-77 

142.79 

199.83 

258.98 

320.38 

384.16 

47 

34-12 

^7-3^^ 

142.51 

199.64 

258.85 

320.28 

384.09 

48 

33-53 

86.93 

142.19 

199.40 

258.68 

320.15 

383-96 

49 

32.97 

86.52 

141.89 

199.18 

258.50 

319.98 

383-79 

50 

32.42 

86.12 

141.59 

198.95 

258.31 

319.80 

383-59 

51 

3T.88 

^S-72 

141.31 

i<)8.73 

258.  IT 

319.59 

3^3-35 

52 

31.37 

85.35 

141.04 

198.51 

257-91 

319.37 

383.09 

53 

30.88 

8S.01 

140.78 

198.31 

257.72 

319.15 

382.81 

54 

30.41 

84.69 

140.55 

198.  IT 

257-52 

318.91 

382.49 

55 

29.94 

84.40 

140.36 

197.95 

257-34 

318.66 

382.15 

5^> 

29.62 

84.18 

140.22 

197.85 

2S7.\^ 

318.43 

381.79 

57 

29.29 

84.01 

140.13 

197.77 

257-07 

318.20 

38T.42 

58 

29.01 

83.89 

140.09 

197.73 

256.97 

317.09 

381.04 

59 

28.81 

83.84 

140.12 

197.75 

256.91 

317.80 

380.65 

60 

28.71 

83-90 

140.23 

197.85 

256.92 

317.62 

380.23 

61 

28.68 

84.02 

140.43 

198.02 

256.96 

317.45 

379-77 

62 

2^.77 

84.27 

140.74 

198.27 

257.03 

317-27 

379.26 

^?, 

28.95 

84.62 

141. II 

198.56 

257.  T  3 

317-05 

37^-63 

64 

29.28 

8  s. 08 

141-59 

198.91 

257.22 

316.78 

377-89 

65 

29.76 

85.68 

142.17 

199.32 

257-32 

316.44 

377.00 

244 


3'/2% 


Am.  Ex. 


NEW  JERSEY   STANDARD. 

MEAN  RESERVES. 
TEN  YEAR  ENDOWMENT. 


Age. 

I  Yr. 

2  Yrs. 

3  Yrs. 

4  Yrs. 

5  Yrs. 

6  Yrs. 

7  Yrs. 

20 

78.16 

163.08 

251.57 

343.82 

439.99 

540.25 

644-79 

21 

77.92 

162.86 

251-39 

343-67 

439.86 

540.17 

644-75 

22 

77.66 

162.64 

251.19 

343.51 

439.74 

540.07 

644.70 

23 

77-38 

162.38 

250.98 

343.33 

439.60 

539.98 

644.66 

24 

77.10 

162.13 

250.77 

343.15 

43946 

539.89 

644.61 

25 

76.80  . 

161.87 

250.54 

342.96 

439-32 

539.78 

644.55 

26 

76.49 

161.60 

250.30 

342.77 

439-15 

539.67 

644.50 

27 

76.16 

161.30 

250.05 

342.55 

439-00 

539-55 

644.44 

28 

75-81 

161.00 

249.79 

342.33 

438.83 

539-44 

644-38 

29 

75-45 

160.69 

249.51 

342.11 

438.65 

539-31 

644-31 

30 

75-08 

160.36 

249.23 

341.86 

438.45 

539-18 

644-24 

31 

74.68 

160.00 

248.92 

341.60 

438.25 

539-03 

644.16 

32 

74.28 

159.64 

248.61 

341-35 

438.05 

538.89 

644.08 

33 

73-84 

159.26 

248.27 

341.06 

437.82 

53^-72 

643.99 

34 

73-40 

158.86 

247.93 

340.77 

437.58 

538.54 

643.89 

35 

72.92 

158.44 

247.57 

340.47 

437.33 

538.36 

64378 

36 

72.44 

158.01 

247.19 

340.14 

437.06 

538.15 

643-66 

37 

71.92 

157.55 

246.77 

339.78 

436.77 

537.94 

643-53 

3'^ 

71-39 

157.08 

246.36 

339.43 

436.47 

53772 

643-39 

39 

70.83 

156.57 

245.91 

339-04 

436.16 

537.48 

643-24 

40 

70.26 

156.06 

245.47 

338.65 

435-83 

537.23 

643.08 

41 

69.64 

155.51 

244.98 

338.23 

435-49 

536.95 

642.90 

42 

69.03 

154.97 

244.50 

337.82 

435-13 

536.67 

642.71 

43 

68.38 

154.39 

243.99 

337-37 

434-75 

536.36 

642.49 

44 

67.72 

153-80 

243-46 

336.90 

434.34 

536.02 

642.24 

45 

67.03 

153-19 

242.91 

336.41 

433.91 

535.65 

641.96 

46 

66.35 

152.58 

242.36 

335-90 

433-42 

535-22 

641.62 

47 

65-65 

151.04 

241.76 

335-33 

432.^^ 

534.74 

641.23 

48 

64-93 

151.27 

241. II 

334-69 

432.29 

534.19 

640.78 

49 

64.23 

150.58 

240.43 

33401 

431.62 

533.57 

640.26 

50 

63-52 

149.88 

239-72 

333-30 

430.91 

532.90 

639.68 

51 

62.81 

149.16 

238.98 

332.53 

430.14 

532.15 

639.02 

52 

62.10 

148.43 

238.21 

331.71 

429.29 

531.3T 

638.29 

S3 

61.40 

147-68 

237-39 

330.84 

428.38 

530.42 

637-47 

54 

60.70 

146.92 

236.55 

329.9 1 

427.39 

529.43 

C\^C^-57 

55 

60.0  T 

146.13 

235.66 

328.92 

426.33 

528.34 

^^35 -5(^^ 

5^^ 

59.35 

145-36 

234-76 

327.89 

425.18 

527-^5 

63445 

57 

58.70 

144-58 

233-81 

326.79 

423.95 

525.85 

633-21 

5« 

58.07 

143-78 

232.83 

325.61 

422.62 

524.45 

631.86 

59 

57-47 

142.98 

231.81 

324.36 

421.18 

522.9T 

630.36 

r,o 

56.94 

142.21 

230.76 

323.06 

419.66 

521.24 

628.71 

61 

56.45 

141-45 

229.70 

321.70 

418.03 

519.44 

626.91 

62 

S6.02 

140.71 

228.63 

320.28 

416.27 

517.48 

624.92 

63 

55.65 

140.01 

227.52 

318.76 

414.40 

5  T  5.34 

622.'J2 

64 

55.38 

T  39.33 

226.41 

3^7.^7 

4  T  2.37 

513.00 

620.29 

65 

55-23 

138.71 

225.26 

315.47 

410.16 

510.41 

617.57 

y/2% 


CANADIAN  LIFE  OFFICERS' 
STANDARD. 

The  minimum  standard  recommended  by  the  Canadian  Life 
Officers'  Association  to  the  Royal  Commission  and  by  the  Commis- 
sion upon  the  Association's  sponsorship  tt)  tlie  Minister  of  i'"inance 
and  so  incorporated  in  the  bill  offered  in  Parliament  Ijy  the  latter 
in  1907,  is  as  follows: 

Without  requiring  the  policy  to  be  written  "preliminary  term," 
allow  optional  deductions  from  the  first  net  level  premium  reserve  Hm, 
3y2%,  equal  to  the  first  whole  life  terminal  reserve.  This  is  equiva- 
lent to  an  additional  loading  the  first  year  of  the  difiference  between 
the  net  whole  life  premium  and  the  net  one  year  term  premium. 

Compute  reserves  for  the  next  four  years  on  the  basis  of  mak- 
ing good  the  initial  margin  or  deduction,  by  equal  portions  added  to 
the  net  renewal  premiums. 


247 


ni 

//-k/        ^ 

;anadi> 

^N  LIFE  OF 

FICERS' 

STANDARD. 

tV 

^% 

TERMINAL 

RESERVES. 

V' 

z  /u 

WHOLE  LIFE. 

HM 

Age. 

0 

I  Year, 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

-7.18 

0.00 

9-15 

iS.sS 

2S.4S 

38.92 

21 

—7.16 

0.00 

9.40 

19.28 

29.69 

40.55 

22 

—7.40 

0.00 

9.92 

20.3() 

31.29 

42.61 

23 

-7-84 

0.00 

10.56 

2  1-57 

33-01 

44-69 

24 

—8.^6 

0.00 

11.14 

22.68 

34-51 

46.57 

25 

—8.80 

0.00 

1 1  .()5 

23-58 

35-75 

48.19 

26 

— 9.20 

0.00 

12.02 

24-30 

36.83 

49.63 

27 

—9-47 

0.00 

12.34 

24.94 

37.80 

5 1  03 

28 

—9.71 

0.00 

12.66 

25-59 

38.88 

52.57 

29 

—9-97 

0.00 

12.99 

26.35 

40.11 

54-30 

30 

—10.23 

0.00 

13-43 

27.26 

41-53 

56.20 

31 

—10.59 

0.00 

13-94 

28.30 

43-08 

58.26 

32 

— 11.00 

0.00 

14.48 

29.38 

44.67 

60.32 

33 

~^'-il 

0.00 

15.03 

30.46 

46.24 

62.40 

34 

—11.86 

0.00 

1557 

31.48 

47-77 

64.49 

35 

—12.28 

0.00 

]6.o6 

32.49 

49-34 

66.08 

36 

—12.66 

0.00 

16.57 

33-56 

51-03 

69.09 

37 

—13.06 

0.00 

17.14 

34-76 

52.98 

71.84 

38 

—13-53 

0.00 

17.79 

36.17 

55-21 

74.92 

39 

—14.05 

0.00 

18.58 

37-82 

57-72 

78.17 

40 

—14.70 

0.00 

19.48 

39.62 

60.32 

81.59 

41 

—15-44 

0.00 

20.41 

41-38 

62.93 

84.91 

42 

— 16.17 

0.00 

21.26 

43-" 

65-37 

88.01 

43 

—16.83 

0.00 

22.12 

44-68 

67.60 

90.94 

44 

—17-51 

0.00 

22.86  ' 

46.01; 

69-73 

93-85 

45 

—18.07 

0.00 

23-51 

47-44 

71.84 

96.76 

46 

-18.57 

0.00 

24.21 

48.90 

74.10 

99.91 

47 

-19-13 

0.00 

25.01 

50-51 

76.63 

103.46 

48 

—19.77 

0.00 

25.86 

S^?,?> 

79.50 

107.30 

49 

—20.45 

0.00 

26.86 

54-40 

82.59 

1 '  132 

50 

— 21.26 

0.00 

27-99 

56.61 

85.78 

115-52 

51 

—22.17 

0.00 

29.10 

58.76 

88.99 

119-73 

52 

—23-05 

0.00 

30.16 

60.89 

92.13 

12^.88 

53 

-23-87 

0.00 

31-25 

6:5.00 

95.26 

128.05 

54 

—24-73 

0.00 

?>^^2 

65.12 

98.44 

^2.^2 

55 

—25-55 

0.00 

33-39 

67.28 

101.71 

136.57 

56 

—26.39 

0.00 

34-50 

69-53 

104.97 

140.82 

57 

-27.26 

0.00 

35-68 

7'  -77 

108.21 

144-99 

58 

—28.19 

0.00 

36.78 

73-90 

1 1 1. 3 1 

149.05 

59 

—29.02 

0.00 

37-82 

75-91 

1 14.28 

152-89 

60 

—29.81 

0.00 

38.83 

77.86 

1 17.10 

156.76 

61 

—30-55 

0.00 

39-79 

79.72 

T  20.00 

160.80 

62 

—31.27 

0.00 

40.70 

81.68 

123.12 

165.20 

63 

— 3T.93 

0.00 

41.75 

83.90 

1  26.64 

170.15 

(n 

—2>2.7?^ 

0.00 

43.00 

m.^2 

130.73 

176.01 

^>5 

-33-68 

0.00 

44-43 

89-49 

\\S-^^^ 

182.35 

66 

-34.78 

0.00 

46.07 

93-07 

140.71 

188.85 

67 

—36.03 

0.00 

48.11 

96.78 

145-82 

194-92 

68 

—37.62 

0.00 

49-93 

100.12 

150.21 

199.91 

69 

-38.93 

0.00 

51-45 

102.63 

153-21 

202.97 

70 

—39-96 

0.00 

52-41 

104.00 

154-48 

204.22 

248 


3! 

HM 

Age. 

0 

20 

-7.18 

21 

-7.16 

22 

—7.40 

23 

-7.84 

24 

—8.36 

25 

—8.80 

26 

-^).20 

27 

—9-47 

28 

-^.71 

29 

—9-97 

30 

—10.23 

31 

—10.59 

Z^ 

— 11.00 

zz 

—11-43 

34 

—11.86 

35 

—12.28 

36 

—12.66 

Z7 

—13.06 

38 

—13-53 

39 

—14.05 

40 

—14.70 

41 

-15-44 

42 

—  16.17 

43 

-16.83 

44 

-17-51 

45 

—18.07 

46 

-18.57 

47 

—19-13 

48 

—19.77 

49 

—20.45 

50 

—21.26 

51 

—22.17 

52 

—23-05 

53 

-23-87 

54 

—24-73 

55 

-25-55 

CANADIAN  LIFE  OFFICERS'  STANDARD. 

TERMINAL  RESERVES. 

LIFE  PAID  UP  IN  20  YEARS. 


I  Year.  2  Years.  3  Years.  4  Years.    5  Years. 

7.34  24.14  41.54            59.75  78.84 

7.40  24.51  42.43            61.22  80.79 

7.45  25.14  43.69            63.02  83.12 

7.50  25.87  45.02  64.93  85.47 

7.55  26.54  46.28            66.65  87.62 

7-59  27.16  47.34            68.11  89.54 

7.64  27.63  48.22            69.43  91.28 

7.69  28.06  49.03            70.63  92.98 

7.74  28.47  49-82            71-90  94-77 

-j.-j-j  28.88  50.70           73.30  96.71 

7.80  29.37  51-71            74-84  98-78 

7.82  29.92  52.81  76.49  100.86 
7.84  30.49  53-93  78.14  103.13 
7.84  31.05  55.03  79.75  105.26 
7.84  31.59  56.06           81.29  107.38 

7.83  32.06  57.04  82.83  109.54 
7.80  32.53  58.06  84.46  1 1 1.86 
y.-j-]  33.04  59.16  86.28  114.46 
7-73  33-6o  60.44  88.34  1 17.31 
7.68  34-28  61.92  90.62  120.29 
7.60  35.05  63.51  92.93  123.35 
7.53  35.81  65.03  95.23  126.28 
7.43  36.48  66.48  97.30  128.95 
7.34  37.14  67.76  99.14  131.40 
7.22  37.65  68.83  100.83  133.76 
7.10  '38.05  69.81  102.44  136.04 
6.95  38.47  7084  104.13  138.48 
6.80  38.95  71.97  106.01  141.20 
6.62  39.44  73.24  108.15  144.13 
6.43  40.05  74.72  1T0.43  147.14 
6.22  40.75  l^'>-^7  1^2.74  T50.22 
5.98  41.39  77.71  1 15.01  153.24 
5.74  41.95  79.09  1 17.12  156.12 
5.48  42.52  80.40  119.T8  158.91 
5.20  43.02  8r.66  121. 21  161.73 
4.91  43.50  82.93  123.27  164.47 


249 


3'/29& 


CANADIAN  LIFE  OFFICERS'  STANDARD. 

TERMINAL  RESERVES. 

LIFE  PAID  UP  IN   15  YEARS. 


Age.            o  I  Year.  2  Years.  3  Years.  4  Years.    5  Years. 

20  —7.18  11.90  33.46  55.81  79.18  103.65 

21  — 7.16  12.04  34-00  56.96  81.00  106.05 

22  —7.40  12.17  347^  5<'^-47-  ^314  108.81 

23  —7-84  12.31  35-68  60.05  85.39  I  [  1.59 

24  —8.36  12.44  36.52  61.57  87.48  114.22 

25  —8.80  12.57  37-3^  ('^■')-^  8().34  116.66 

26  — 9.20  12.72  38.00  64.11  91.08  118.95 
2y  — 9.47  12.87  38-63  65.24  92.72  121.21 

28  —9-71  13-02  39.26  66.36  94.45  123.58 

29  — 9.97  13.16  39-88  67.57  96.28  126.09 

30  — 10.23  13-29  40.59  68.90  98.27  128.73 

31  —10.59  13-41  4T.34  70-32  100.36  131.48 
^2  —11.00  13.53  42-12  71.76  102.45  134.22 

33  —11-43  13-63  42-89  73.19  104.51  136.93 

34  —11.86  13.74  43.64  74.55  106.52  139.65 

35  —12.28  13.83  44.34  75.87  108.52  142.41 
S6  —12.66  13.91  45.02  77.23  110.62  145-34 

37  —13-06  13.99  45-75  78-68  112.90  148.53 

38  —13-53  14-05  46.53  80.29  115.43  151.97 

39  —14-05  14-10  47.42  82.09  118.15  155.53 

40  — 14-70  14-13  48.40  84.01  120.91  159.18 

41  —15-44  14-15  49-37  85.85  123.66  162.71 

42  — 16.17  14.16  50.25  87.64  i26.2d  166.00 

43  '" 


16.83  14-17  51-12  89.24  128.52  169.06 

•17.51  14.15  51.84  90.64  130.67  172-04 

45  —18.07  14.12  52.45  91.95  132.73  174-92 

46  —18.57  14-07  53-05  9328  134.84  177.91 

47  —19-13  13-99  5370  94-68  137.11  181.14 

48  —19-77  13-88  54-34  96-19  139-59  184.53 

49  —20.45  13-75  55-08  97.88  142.17  187.96 

50  — 21.26  13-60  55.90  99.62  144-76  191-44 

51  — 22.17  ^3-40  56.64  101.23  147.28  194.82 

52  — 23.05  13.20  57-29  102.76  149.64  108.04 

53  —23.87  12.97  57-92  104.19  151-89  201.13 

54  —24-73  12.70  58.46  T05.53  154.05  204.17 

55  —25-55  12.40  58.94  106.81  156-17  207.03 

56  — 26.39  12.07  59-39  108.08  158.14  209.69 

57  — 27.26  11.71  59-84  T  09.23  159-93  212.11 

58  — 28.19  11-31  60.14  110.15  161.40  214.22 

59  — 29.02  10.86  60.30  110.87  162.70  215.95 

60  — 29.81  io..^i  60.38  111.42  163.68  217.51 


250 


3'/2% 


1 

HM 


CANADIAN  LIFE  OFFICERS'  STANDARD. 

TERMINAL  RESERVES. 

LIFE  PAID  UP  IN   10  YEARS. 


Age. 

20 
21 
22 
23 
24 
25 

26 
27 
28 
29 
30 
31 
32 

2,1 
34 
35 
36 
37 
38 
39 
40 

41 
42 
43 
44 
45 
46 

47 
48 
49 
50 
51 
52 
53 
54 
55 
5^> 
57 
58 
59 
60 
61 
62 

63 
64 

^>5 


o 

-7.18 

-7.16 

—7.40 

-7.84 

-8.36 

—8.80 

— 9.20 

—9-47 

—971 

—9-97 

— 10.23 

—10.59 

— 11.00 

—  11-43 

—  11.86 
—12.28 
— 12.66 
—13.06 
-13-53 
— U-05 
—14.70 

—15-44 
— 16.17 
-16.83 

—17-51 
—18.07 

-18.57 
—19.13 
—19.77 
—20.45 
— 2 1 .26 
— 22.17 
—23-05 
-23-87 
—24-73 
—25-55 
—26.39 
— 27.26 
—28.19 
— 29.02 
—29.81 

—30.55 
—31.27 

—31-93 
—32.73 
-33.^>8 


I  Year. 

2  Years. 

21.28 

52.60 

21.59 

53-51 

21.90 

54-64 

22.20 

55-88 

22.51 

57-09 

22.84 

58.29 

23.19 

59-39 

23-55 

60.46 

23.92 

61.53 

24.28 

62.61 

24.63 

63-77 

24.99 

64.99 

25-33 

66.24 

25.67 

67.50 

26.02 

68.75 

26.36 

69-95 

26.69 

71.16 

27.01 

72.40 

27-33 

73-69 

27.63 

75-09 

27.91 

76.59 

28.19 

78.09 

28.46 

79-54 

28.75 

80.98 

29.01 

82.29 

29.27 

83.49 

29.50 

84.69 

29.70 

85.92 

29.87 

8713 

29.99 

88.42 

30.09 

89-77 

30.14 

9 1 .02 

30.17 

92.18 

30. 1 7 

93-3 1 

30.13 

94-34 

30.04 

95-29 

29.92 

96.20 

29-75 

97.08 

29-53 

97-79 

29.24 

98.32 

28.89 

98.68 

28.47 

98.85 

27.95 

98.79 

27.35 

.;8.69 

26.67 

98.59 

25.8<) 

')8.54 

3  Years. 

85.14 
86.84 
88.87 
90.98 
93-07 
95-04 
96.98 
98.68 
100.50 
102.40 
104.44 
106.58 
108.76 
110.94 
113.07 
115-17 
117-33 
119.56 
121.96 
124.56 
127.28 
129.96 
132.61 
135-13 
137-45 
139-70 
141.97 
144.28 
146.69 
149.24 

151-72 
1 54.26 
1 56.62 
158.86 
1 6 1 .00 
163.06 
165.09 
i66.()8 
168.61 
1 69.98 
171.07 
171.86 
1 72.46 
17304 
173.71 
'74.5' 


4  Years. 

119.13 
121.68 

124.54 
127.51 
130.38 
133.09 
13572 
138.30 
140.97 
143-76 
146.72 

149-79 
152.90 

155-99 
159.06 
162.15 

165-33 
168.70 
172.30 
176.12 
180.00 
183.90 
187.66 
191.23 
194.68 
198.07 
201.49 
205.03 

212.56 
216.35 
220.06 
223.61 
227.04 
230.37 
23364 
236.76 
239.68 
242.31 

244. 5<) 
246.47 
248.0(; 

249.55 
25 1 .02 
252.65 
254.65 


5  Years. 

154.65 
15799 
161.66 

165-39 
169-03 
172.56 
17599 
179-45 
183-03 
186.78 
190.66 
194.68 
198.72 
202.78 
206.87 
211.02 
215-35 
219-93 
224.76 
229.74 

234-84 
239.89 

244.77 
249.50 

254.17 
258.78 
263.49 
268.40 

273-43 
278.50 
283.58 
288.58 

29341 
298. 1 2 

1^2.'^ 
307.25 
311-54 
315-58 
319.29 
322.56 
325.49 
328.19 
330.76 

333-35 
336.30 


3! 

'^%   ' 

:anadi^ 

\N  LIFE  ( 
TERMING 

u' 

2  /U 

TWENTY  YE. 

HM 

Age. 

0 

I  Year, 

2  Years. 

20 

-7.18 

26.00 

62.25 

21 

-7.16 

25-73 

6T.94 

22 

—7.40 

25-44 

61.86 

23 

—7.84 

25-13 

61.86 

24 

-8.36 

24.81 

61.79 

25 

—8.80 

24.48 

61.64 

26 

— 9.20 

24.15 

6i-35 

27 

—947 

23.81 

60.99 

28 

—9.71 

23.46 

60.60 

29 

—9-97 

23.10 

60.19 

30 

—10.23 

22.72 

59-85 

31 

—10.59 

22.32 

59-55 

32 

— 11.00 

21.91 

59-25 

33 

—11-43 

21.48 

58.93 

34 

—11.86 

21.04 

58.57 

35 

—12.28 

20.58 

58.13 

36 

—12.66 

20.10 

57-68 

37 

—13.06 

19.61 

57.26 

38 

—13-53 

19.11 

56.88 

39 

— 14-05 

18.58 

56.59 

40 

—14.70 

T8.04 

56.39 

41 

—15-44 

17.48 

56.18 

42 

— 16.17 

16.91 

55-87 

43 

—16.83 

16.33 

55-55 

44 

— T7-51 

15-74 

55-09 

45 

—18.07 

15-14 

54.53 

46 

—18.57 

14-52 

53-98 

47 

— 19-T3 

13.90 

53-51 

48 

—19.77 

13.26 

53-06 

49 

— 20.45 

12.61 

52.73 

50 

— 21.26 

11-95 

52.51 

51 

—22.17 

11.26 

52.25 

52 

—2305 

10.58 

5T.92 

53 

—23.87 

9.90 

51.62 

54 

—24-73 

9.21 

51.28 

55 

-25-55 

8.53 

50.96 

251 

STANDARD. 


3  Years.  4  Years.  5  Years. 

99.92  139.26  180.34 

99-77  13928  180.46 

99.94  139.61  180.90 

100.15  140.00  181.33 

100.27  140.18  181.55 

100.18  140.09  181.49 

99.88  139.82  181.23 

99.49  T  39.40  180.86 

99.07  139.02  180.55 

98.70  138.72  180.33 

98.43  138.53  180.20 
98.23  138.41  180.13 

98.03  138.27  180.02 
97.78  138.06  179.83 

97.44  137.75  179.60 

97.04  137.40  179.37 
96.65  T37-I2  179.25 

96.33  137-00  179.36 

96.16  137.09  179.70 

96.17  137.37  180.13 

96.28  137.67  180.64 

96.31  137.94  I8I.0I 

96.27  138.00  181. 12 

96.06  13783  181.OI 

95.64  137-50  180.81 

95.15  137.12  180.55 

94.71  136.81  T80.44 
94.38  136.71  180.63 

94.22  136.88  1 8 1. 05 

94.26  T37-2I  181.58 

94.40  13761  T82.23 

94.46  137.98  182.84 
94.48  138.25  183.36 

94.45  138.51  183.85 
94.44  138.79  184.44 

94.47  139-17  185.04 


252 


3! 

^%      ' 

ANADIAN  LIFE  OF 
TERMINAL 

FICERS'  STANDA 
RESERVES. 

RD. 

v^ 

2  A/ 

HM 

FIFTEEN  YEAR 

ENDOWMENT. 

Age. 

0 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

-7.18 

42.16 

95-25 

150.49 

208.11 

268.25 

21 

-7.16 

41.87 

94-92 

1 50.28 

208.06 

268.27 

22 

—7.40 

41.56 

94-79 

150.37 

208.28 

268.58 

23 

-7.84 

41-23 

94-73 

1 50.50 

208.56 

268.89 

24 

-8.36 

40.89 

94.61 

150.54 

208.66 

269.02 

25 

—8.80 

40.54 

94-43 

150.41 

208.52 

268.92 

26 

—9.20 

40.19 

94-11 

1 50.09 

208.22 

268.64 

27 

—9-47 

39-84 

93-73 

149.68 

207.79 

268.26 

28 

—9.71 

39-48 

93-32 

149-23 

207.38 

267.91 

29 

—9-97 

39-09 

92.88 

148.82 

207.02 

267.63 

30 

—10.23 

38.69 

92.50 

148.48 

206.75 

267.40 

31 

—10.59 

38.27 

92.14 

148.19 

206.52 

267.21 

32 

— 11.00 

37-82 

91.76 

147.89 

206.25 

266.95 

33 

—11-43 

37-35 

91-37 

147-53 

205.90 

266.61 

34 

—11.86 

36.87 

90.93 

147-08 

205.46 

266.22 

35 

—12.28 

36.36 

90.41 

146.55 

204.96 

265.80 

36 

—12.66 

■    35-84 

89.86 

146.04 

204.50 

265.47 

37 

—13.06 

35-29 

89-34 

145-56 

204.17 

265.33 

38 

—13-53 

34-73 

88.83 

145-21 

204.02 

265.36 

39 

—14.05 

34-14 

88.41 

'-+5-°i. 

204.02 

265.46 

40 

—14.70 

33-51 

88.05 

144-88 

204.03 

265.61 

41 

—15-44 

32.87 

87.67 

144.67 

203.98 

265.62 

42 

—16.17 

32.20 

87-19 

144-37 

203.72 

265.36 

43 

-16.83 

31-53 

86.68 

143-89 

203.21 

264.86 

44 

—17-51 

30.83 

86.01 

143-18 

202.52 

264.23 

45 

—18.07 

30. 1 2 

85-23 

142.37 

201.72 

263.47 

46 

-18.57 

29-37 

84-43 

141-57 

200.94 

262.79 

47 

-19-13 

28.61 

83.68 

140.82 

200.29 

262.30 

48 

—19-77 

27.81 

82.91 

140.18 

199.84 

261.97 

49 

—20.45 

26.98 

82.23 

139.70 

199-49 

261.68 

50 

—21.26 

26.13 

81.63 

139.28 

199.16 

261.45 

51 

— 22.17 

25-24 

80.97 

138.75 

198.78 

261.16 

52 

—23-05 

24.35 

80.22 

n8.i6 

198.25 

260.72 

53 

-23.87 

.     23.44 

79-47 

137-48 

197-65 

260.19 

54 

-24-73 

22.5 1 

78.65 

136.74 

19700 

259.65 

55 

—25-55 

21.54 

77-78 

135-96 

196.32 

258.97 

5'^> 

—26.39 

20.56 

76.90 

135.20 

195-54 

258.13 

57 

-27.26 

10.55 

76.04 

•34.34 

194-62 

257-11 

58 

—28.19 

■8.53 

75.06 

133-31 

193-49 

255-84 

59 

—29.02 

'7-47 

73-97 

132.12 

192.14 

254-27 

60 

—29.81 

16.42 

72.84 

130.83 

190.61 

252.64 

253 


3! 

4%    ' 

;anadi/ 

kN  LIFE  OFFICERS'  STANDA 
TERMINAL  RESERVES. 

RD. 

\3' 

2  /CI 

HM 

TEN  YEAR  ] 

ENDOWMENT. 

Age. 

0 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

-7.18 

75-37 

163.09 

254.41 

349-63 

448.92 

21 

-7.16 

75.08 

162.74 

254.16 

349-50 

448.84 

22 

—7.40 

74-75 

162.56 

254-15 

349-59 

449-00 

■2^ 

-7-84 

74-38 

162.42 

254-17 

349-73 

449.18 

24 

-8.36 

74.01 

162.2-4 

254-13 

349-75 

449-23 

25 

—8.80 

73  ■^>4 

162.01 

253-95 

349-57 

449-13 

26 

—9.20 

73-27 

161.67 

253-61 

34927 

448.87 

27 

—9-47 

72.91 

161.28 

253.20 

348.87 

448.53 

28 

—9.71 

72:54 

T60.86 

252.75 

348.47 

448.21 

29 

—9-97 

72.14 

160.41 

252.33 

348.  T  I 

447-95 

30 

--10.23 

7^-73 

1 60.02 

251.98 

347-82 

447-73 

31 

—10.59 

71.29 

159-63 

251.67 

347-58 

447-55 

32 

—11.00 

70.83 

159.23 

251-34 

347-30 

447-33 

33 

—11-43 

70.34 

158.80 

250.96 

346.95 

447.02 

34 

—11.86 

69.83 

158.33 

250.47 

346.49 

446.64 

35 

—12.28 

69.30 

157-77 

249.90 

345-95 

446.20 

36 

—12.66 

68.74 

157.16 

249.31 

345-41 

445-78 

37 

—13.06 

68.15 

156.55 

248.72    . 

344-94 

445-46 

3«^ 

—13-53 

67-53 

155-95 

248.22 

344-59 

445-27 

39 

— 14-05 

66.88 

155-40 

247-84 

344-37 

445-13 

40 

—14.70 

66.  T  8 

154-91 

247-52 

344-15 

445-05 

41 

—15-44 

65-47 

154-38 

247.12 

343-89 

444-87 

42 

— 16.17 

64-73 

153-78 

246.65 

343-46 

444-50 

43 

—  16.83 

64.00 

153-15 

246.02 

342.83 

443-92 

44 

—17-51 

63.22 

152.36 

245-18 

342.02 

443.20 

45 

—18.07 

62.43 

15^-45 

244.23 

341.07 

442.35 

4^^ 

— T8.57 

61.60 

1 50.5 1 

243-24 

340.  TO 

441.49 

47 

-19-13 

60.74 

149.57 

242.26 

33918 

440.72 

48 

—19-77 

59-82 

148.58 

241.31 

338.37 

440.02 

49 

— 20.45 

58.85 

T  47.64 

240-47 

337-59 

439.31 

50 

— 2T.26 

57-84 

146.73 

239.62 

336.77  ■ 

438.57 

51 

— 22.T7 

56.76 

145-72 

238.62 

335-84 

437-73 

52 

—23-05 

55-68 

144.61 

237-53 

334-75 

436.72 

53 

—23.87 

54-56 

T43-47 

236.33 

333-55 

435-58 

54 

-24-73 

53-39 

142.23 

235-03 

332-2=, 

434.39 

55 

—25-55 

52.20 

T  40.93 

233-67 

330.91 

433-07 

5^> 

—26.39 

50.96 

I  39.60 

232.30 

329.45 

431-60 

57 

-27.26 

49.70 

138.25 

230.8  T 

327-83 

429.94 

58 

—28.19 

48.38 

136.75 

229.10 

325.06 

428.01 

59 

— 29.02 

47-02 

135-09 

227.16 

323.80 

425.70 

60 

-29.81 

45-60 

133-29 

224.98 

321-27 

423.07 

61 

—30.55 

44.12 

T3I-32 

222. ST 

318.51 

-120.22 

62 

— 3T.27 

42.56 

T29.T4 

219.88 

315.60 

417-25 

^\^ 

—31-93 

40.93 

126.95 

217.27 

312.74 

4i-i-34 

64 

—32-73 

39-23 

124.79 

214.79 

310.09 

411.83 

65 

-33-68 

37-47 

122.72 

212.51 

307-90 

409.61 

254 


0/2-;! 

X) 

i\ 

HNi 

Age. 

r  Year. 

2   Years. 

20 

3-o6 

12.22 

21 

3-25 

12.52 

22 

3-31 

12.99 

23 

3-27 

13-56 

24 

3.21 

14.12 

25 

3.20 

14.65 

26 

3-24 

15.12 

27 

3-34 

15-55 

28 

3-47 

16.00 

29 

3-59 

16.45 

30 

3-73 

16.98 

31 

3-83 

17-56 

32 

3-92 

18.19 

33 

4.00 

18.83 

34 

4.11 

19.48 

35 

4.24 

20.12 

36 

4-39 

20.77 

37 

4.58 

21.50 

38 

H^ 

22.28 

39 

4.88 

23-15 

40 

4.98 

24.12 

41 

5-07 

25-15 

42 

5-19 

26.17 

43 

5.38 

27.21 

44 

5.58 

28.23 

45 

5-89 

20-22 

46 

6.25 

30.26 

47 

6.62 

31-39 

48 

6.97 

32-59 

49 

7-35 

33-90 

50 

7.72 

35-35 

5T 

8.0s 

36.85 

52 

8.48 

38.37 

53 

8.90 

39.96 

54 

9-53 

41.60 

55 

T0.17 

43-32 

5^> 

10.85 

45- f  2 

57 

TT-59 

47.02 

5« 

T2.38 

48.07 

50 

T3-3T 

50.08 

r.o 

T4-34 

53.06 

r,T 

T5-47 

55- t8 

r.2 

T6.74 

57-30 

^\3 

t8.tt 

.SO.  76 

64 

19.53 

62.35 

^^'^ 

20.08 

65.  TO 

66 

22.40 

68.28 

67 

24.TO 

71.78 

68 

2573 

75-42 

60 

27.71 

70.08 

70 

30.04 

82.68 

CANADIAN  LIFE  OFFICERS'  STANDARD. 

MEAN  RESERVES. 

WHOLE  LIFE. 


3  Years. 

21.51 
22.16 
23.19 
24-35 
25-47 
26.44 
27.27 
28.0s 
28.80 

29-63 
30.62 

31-71 
32.87 
34.06 

35-22 

36.36 
37-56 
38.88 

40.37 
42.06 

43-93 
45-84 
47-72 
49-55 
51-27 
52.94 
54.72 
56.65 
58.76 
6t.ti 

63-65 
66.23 
68.8T 
71.46 
74.T6 
76.06 
70.87 
82.00 
85.03 
88.04 
01. 08 
05.04 
08.22 
T0T.7T 

T  05.61 
T  00.03 
TT4.82 
T20.t6 

T  25.47 
T  30.30 
134.68 


4  Years. 

31.18 
32.30 
33-87 
35-57 
37-14 
38.49 
39.67 
40.75 
4T.90 

43-19 
44.66 
46.28 

47-97 
49.66 

51-32 
53-02 

54-79 
56.80 
59-08 
61.63 
64-36 
67.10 
60.78 
72.29 

74-71 
77.10 
79.66 
82.46 

88.97 
02.54 
06.17 
00.8o 

103.47 
T07.22 

TTT.TI 
T  15.12 
TT0.T7 
T23.TO 
T27.T6 
T3T.T2 
T35-T5 
T  30.43 
I44-T5 
T  40.47 
T55-.50 
162.14 
T  60.02 
I75.6T 
T8T.27 
185.71 


Years. 

41.35 
42.94 
44.98 

47.13 
49.09 
50.80 
52.34 
53-80 
55-39 
57-17 
59-13 
61.26 

63.44 
65-63 
67.82 
70.11 
72.56 
75.34 
78.45 
81.81 

85-34 

88.87 

92.23 

95-42 

98.59 

101.77 

105.16 

108.93 

113.06 

117-43 
122.00 
126.65 
1 31. 20 
135-99 

T  40.82 
145-76 
150.76 
155-78 
160.77 
T65.65 

170-57 
175-60 
181.20 
187.28 
104-22 
2OT.02 
2  T  0.03 
218.09 
225.50 
231-45 
235-83 


255 


3'/2% 


CANADIAN  LIFE  OFFICERS'  STANDARD. 

MEAN  RESERVES. 

TWENTY  PAYMENT  LIFE. 


HM 


Age. 

I  Year. 

20 

10.25 

21 

10.50 

22 

10.61 

23 

10.62 

24 

10.60 

25 

10.64 

26 

10.72 

27 

10.87 

28 

11.05 

29 

11.20 

30 

11-37 

31 

11.49 

32 

11.59 

33 

11.67 

34 

11.78 

35 

11.90 

36 

12.04 

Z7 

12.18 

38 

12.29 

39 

12.38 

40 

12.42 

41 

12.42 

42 

12.46 

43 

12.55 

44 

12.64 

45 

12.83 

46 

13.04 

47 

13.26 

48 

1343 

49 

13.62 

50 

13-77 

51 

13.88 

52 

14.07 

53 

14-32 

54 

14-59 

55 

14.94 

3  Years. 

4  Years. 

5  Years. 

44.01 

61.81 

80.46 

44.84 

63.19 

82.37 

46.02 

64.96 

84.68 

47.32 

66.85 

87.07 

48.58 

68.63 

89-30 

49.71 

70.19 

91.29 

S0.70 

71.59 

93.13 

51.62 

72.90 

94-87 

52.53 

74-23 

96.71 

53.47 

75.69 

98.70 

54.55 

77.28 

100.82 

55.71 

78.99 

103.07 

56.90 

80.73 

105-33 

58.10 

82.45 

107.57 

59.27 

84.12 

109.78 

60.38 

•  85.78 

112.02 

61.53 

87.49 

114.39 

62.75 

89.37 

1 17.01 

64.11 

91.48 

119.91 

65.63 

93.80 

122.98 

67.30 

96.25 

126.16 

68.96 

98.67 

129.30 

70.57 

100.98 

132.22 

72.10 

103.10 

134.92 

73.48 

105.07 

137-54 

74.78 

106.97 

140.09 

76.13 

108.96 

142.77 

77.58 

III. 12 

145-73 

79.16 

113-51 

148.95 

80.92 

116.11 

152.31 

82.81 

118.80 

155-79 

84.69 

121.49 

159.26 

86.^3 

124.12 

162.63 

88.58 

126.72 

165.97 

90.24 

129.34 

169.37 

92.16 

132.03 

172.81 

2  Years. 
26.91 

27.33 
27.90 
28.56 
29,21 
29.84 
30.41 
30.94 
31.48 
32.01 

32.59 
33-21 
33-86 
34.51 
35.16 
35.78 
36.40 
37-05 
37.75 
38.50 
39.34 
40.21 
41.05 
41.89 
42.68 

43-43 
44.18 

44-99 
45.84 
46.76 

47-79 
48.82 
49.86 
50.92 
52.01 
53-15 


256 


3'/2% 


CANADIAN  LIFE  OFFICERS'  STANDARD. 

MEAN  RESERVES. 

FIFTEEN  PAYMENT  LIFE. 


HM 


Age. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

14.72 

36.04 

57-99 

80.85 

104.77 

21 

15-05 

36.62 

59.08 

82.58 

107.12 

22 

15-24 

37-35 

60.50 

84.67 

109.85 

23 

15-32 

38.17 

62.04 

86.90 

112.67 

24 

15-39 

39-00 

63-57 

89.03 

115.36 

25 

15-52 

39-80 

64.98 

90.99 

117.86 

26 

15-70 

40.57 

66.27 

92.80 

120.22 

27 

15-95 

41-31 

67.50 

94-54 

122.52 

28 

16.22 

42.05 

68.72 

96.31 

124.92 

29 

16.47 

42.78 

69-99 

98.20 

127.46 

30 

•  16.74 

■   43-57 

71.38 

100.22 

130.13 

31 

16.96 

44-39 

72.85 

102.36 

132.94 

32 

17.16 

45-24 

74.36 

104-53 

135-76 

33 

17-34 

46.10 

75-88 

106.69 

138.56 

34 

17-56 

46.96 

77-36 

108.80 

141.35 

35 

17.77 

47-79 

78.81 

110.91 

144.18 

36 

18.01 

48.62  • 

80.29 

113.08 

147.14 

37 

18.27 

49.49 

81.84 

115-41 

150.34 

38 

18.48 

50-39 

83-52 

117.96 

153-80 

39 

18.66 

51-36 

85-36 

120.72 

157-44 

40 

18.80 

52.40 

87-34 

123.60 

161.19 

41 

18.90 

53-47 

89.32 

126.46 

164.89 

42 

19.04 

54-51 

91-25 

129.22 

168.40 

43 

19.23 

55-56 

93.10 

131.79 

171.71 

44 

19.41 

56.55 

94-79 

134.21 

174.91 

45 

19.69 

57-49 

96.40 

136.54 

178.03 

46 

19-99 

58.42 

98-03 

138.93 

181.24 

47 

20.28 

59-39 

99-74 

141.44 

184.67 

48 

'20.52 

60.38 

101.54 

144.16 

188.32 

49 

20.77 

61.42 

103-50 

147.05 

192.08 

50 

20.97 

62.56 

105-57 

149.99 

195-91 

51 

21.12 

63.68 

107.60 

152.92 

199.71 

52 

21.34 

64.80 

109-57 

155-75 

203-39 

53 

21.61 

65.92 

111-53 

158.52 

206.98 

54 

21.90 

67-04 

113-45 

161.25 

210.57 

55 

22.23 

68.15 

115-36 

163.97 

214.08 

56 

22.58 

69-30 

117.29 

166.68 

217.48 

5"^ 

22.96 

70.46 

1 19.23 

169.28 

220.72 

58 

23-35 

71.62 

121.05 

171-71 

223.74 

59 

23-85 

72.76 

122.77 

173.96 

226.49 

()n 

24.41 

7390 

124.40 

176.06 

229.10 

257 


CANADIAN  LIFE  OFFICERS'  STANDARD. 


fo 

TEN 

PAYMENT 

LIFE. 

Age. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

23-9  i 

54.80 

86.73 

119.99 

154.74 

21 

24.41 

55-73 

88.36 

122.44 

158.02 

22 

24.76 

56.80 

90.29 

125.23 

161.63 

23 

25.02 

57.96 

92.36 

128.17 

165.38 

-'4 

25.26 

59- i  5 

94.44 

131.07 

169.05 

25 

25-58 

60.35 

96.45 

133-85 

172.61 

26 

25.96 

61.52 

98.37 

136.53 

176.09 

27 

26.41 

62.69 

100.26 

139-17 

179.56 

28 

26.90 

63.86 

102.16 

141.86 

183.14 

29 

27-37 

65.04 

104.10 

144.69 

186.87 

30 

27.86 

66.28 

106.19 

147.65 

190.76 

31 

28.29 

67.55 

108.35 

150.75 

194.80 

32 

28.72 

68.87 

110.57 

153.91 

198.89 

33 

29.13 

70.20 

112.83 

157.07 

202.99 

34 

29.58 

71.54 

115.06 

160.22 

207.12 

35 

30.04 

72.86 

117.27 

163.38 

211.30 

3f> 

30.52 

74.19 

119.52 

166.61 

215.62 

37 

31.01 

75.56 

121.84 

169.99 

220.17 

3<^ 

31.46 

76.96 

124.28 

173.59 

224.98 

3<^ 

31.89 

78.42 

126.89 

177.41 

230.00 

40 

32.28 

79.97 

129.66 

181.37 

235.14 

41 

32/^3 

81.56 

T32.44 

185..35 

240.31 

42 

3303 

83.14 

135.21 

189.27 

245.35 

43 

334H 

84.75 

137.94 

193.06 

250.25 

44 

33.94 

86.30 

140.52 

196.72 

255.08 

45 

34-49 

87.82 

143.03 

200.31 

259.86 

4h 

35.07 

89.32 

145.56 

203.95 

264.71 

47 

35.62 

90.85 

148.14 

207.70 

269.75 

4<^ 

36.12 

92.38 

150.80 

211.60 

274.97 

49 

36.62 

93.94 

153.58 

215.65 

280.27 

50 

37.06 

95.58 

156.44 

219.73 

285.62 

51 

37-44 

97.19 

159.25 

223.77 

290.93 

5- 

37-89 

98.79 

162.00 

227.72 

296.12 

S^ 

38.38 

100.38 

164.72 

231-59 

301.22 

54 

38.86 

101.94 

T  67.37 

235-40 

306.28 

55 

39-40 

T03.50 

T  70.01 

239.18 

311.27 

5^^ 

39-94 

105.06 

T  72.63 

242.92 

316.14 

57 

40.49 

106.62 

175.23 

246.54 

320.83 

5^ 

41.04 

T08.T3 

177.68 

249.94 

325-28 

50 

41.67 

109.58 

179.96 

253.08 

329-37 

60 

42.33 

TT0.97 

182.0=; 

255.95 

333- 16 

61 

43.OT 

112.25 

183.95 

2S8-S7 

33^-74 

62 

43.75 

"3-45 

185.69 

261.07 

340.23 

63 

44.5T 

114.63 

187.46 

263.63 

343-79 

64 

45.22 

115-83 

189.36 

266.38 

347-6S 

65 

45.89 

"7-15 

191.45 

269.52 

351-95 

258 


HM 

70 

TWENTY 

YEAR  ENDOWMENT. 

Age. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

28.54 

04.25 

101.21 

i39-7i 

179.92 

21 

28.40 

64.00 

101.02 

139.69 

180.03 

22 

28.23 

63.88 

101.13 

140.00 

180.49 

23 

27.89 

63.«3 

101.34 

140.41 

181.00 

24 

27-51 

(^2>-7b 

101.48 

140.67 

181.31 

25 

27.19 

(^2,-(>i 

101.48 

140.70 

181.36 

26 

26.90 

63-44 

101.31 

140.54 

181.22 

27 

26.67 

63.20 

101.05 

140.25 

180.94 

28 

26.46 

62.95 

100.76 

139.96 

180.70 

29 

26.21 

62.68 

100.48 

139-75 

180.56 

30 

25.98 

62.44 

100.30 

139-64 

180.52 

31 

25.68 

62.22 

100.18 

139.61 

180.56 

32 

25-37 

62.02 

100.07 

139-59 

180.58 

33 

25.02 

61.80 

99-95 

139-52 

180.5.^ 

34 

24.70 

61.57 

99-77 

139-36 

180.44 

35 

24.38 

61.30 

99-52 

139-17 

180.33 

36 

24.07 

61.01 

99-29 

139.01 

180.31 

37 

23-77 

60.75 

99.11 

138.98 

180.49 

38 

23.42 

60.51 

99-04 

139.15 

180.91 

39 

23-05 

60.33 

99.12 

139-51 

181.49 

40 

22.62 

60.22 

99-34 

139.98 

182.16 

41 

22.16 

60.13 

99-54 

140.42 

182.77 

42 

21.72 

60.01 

99.69 

140.75 

183.17 

43 

.     21.34 

59-89 

99.76 

140.89 

183.37 

44 

20.96 

59-72 

99.68 

140.88 

183.47 

45 

20.68 

59-52 

99-53 

1 40.8 1 

183.5- 

46 

20.43 

59-33 

99-43 

140.84 

183.70 

47 

20.19 

59-21 

99-45 

141.06 

184.17 

48 

19.91 

59-13 

99.62 

141-52 

'S4-93 

49 

19.65 

59-13 

99-97 

142.21 

185.87 

50 

19.36 

59-26 

100.48 

143.02 

186.94 

51 

19.03 

59-40 

101.00 

143.86 

188.05 

52 

18.80 

59-57 

101.50 

144.68 

189.12 

53 

18.63 

59-78 

102.06 

145-51 

190.20 

54 

18.50 

60.05 

102.66 

146.42 

191.42 

55 

18.47 

60.40 

103.37 

147-47 

192.75 

259 


f\\  /  M 

_.         CANADIAN  LIFE  OFFICERS 

:  STANDARD. 

3/4^ 

In 

MEAN  RESERVES. 

HM 

/^ 

FIFTEEN 

YEAR  ENDOWMENT. 

Age. 

I  Year. 

2  Years, 

3  Years. 

4  Years. 

5  Years. 

20 

44-38 

96.59 

^50-75 

207.18 

200.06 

21 

44.28 

96.32 

150.52 

207.08 

266.07 

22 

44-03 

96.15 

150.55 

207.29 

266.40 

^3 

43-66 

96.04 

150.68 

207.59 

266.78 

-M 

43-27 

95.92 

150.75 

207.77 

267.00 

^5 

42.92 

95-76 

150.69 

207.74 

267.00 

26 

42.62 

95-55 

150.49 

207.54 

266.82 

27 

42.37 

95.28 

150.21 

207.23 

266.52 

28 

^^•o§ 

95.00 

149.88 

206.90 

266.24 

29 

41.88 

94-69 

149.55 

206.63 

266.03 

30 

41.62 

94.41 

149-31 

206.43 

265.88 

31 

41.30 

94-13 

149.09 

206.29 

265.70 

32 

40.95 

93-85 

148.88 

206.13 

265.66 

2>l 

40.56 

93-56 

148.65 

205.92 

265.46 

34 

40.20 

93-24 

148.35 

205.61 

265.18 

35 

39-83 

92.88 

147-97 

205.26 

264.88 

36 

39-47 

92.50 

147-60 

204.92 

264.64 

Z7 

39-11 

92.13 

147-26 

204.68 

264.56 

38 

38.71 

91.77 

147.02 

204.61 

264.68 

39 

38.26 

91-45 

146.89 

204.70 

264.92 

40 

37-76 

91.18 

146.87 

204.86 

265.22 

41 

37-21 

90.92 

146.82 

204.98 

265.45 

42 

36.68 

90.62 

146.71 

204.97 

265.47 

43 

36.20 

90.32 

146.50 

204-75 

265-25 

44 

35-72 

89-94 

146.12 

204.37 

264.89 

45 

35-32 

89-51 

145.64 

203.88 

264.43 

46 

34-94 

89-07 

145-17 

203.42 

264.02 

47 

34-55 

88.65 

144-76 

203.07 

263.81 

48 

34.11 

88.25 

144-45 

202.90 

263.80 

49 

33-67 

87.90 

144.28 

202.91 

263.89 

50 

33-19 

87.65 

144-22 

202.98 

264.07 

51 

32.66 

87-39 

144.15 

203.05 

264.25 

52 

32.22 

87.14 

144.03 

203.05 

264.33 

53 

31.82 

86.90 

143-92 

203.02 

264.37 

54 

31-44 

86.68 

143-79 

202.97 

264.42 

55 

31-13 

86.47 

143-68 

202.94 

264.45 

56 

30.84 

86.31 

143-62 

202.94 

264.41 

57 

30.58 

86.19 

143-59 

202.88 

264.26 

58 

30.36 

86.08 

143.49 

202.70 

263.97 

59 

30.25 

86.00 

143-33 

202.40 

263.48 

60 

30.24 

85-96 

143.16 

202.05 

262.96 

26o 


CANADIAN  LIFE  OFFICERS'  STANDARD. 
MEAN  RESERVES. 


0^2^ 

70 

lVlIl.rt.lN  XVIi,01i.J 

TEN  YEAR  END( 

HM 

Age. 

I  Year. 

2  Years. 

3  Years. 

20 

76.92 

163-05 

252-57 

21 

76.82 

162.76 

252.30 

22 

76.55 

162.54 

252.25 

23 

76-15 

162.37 

252.27 

24 

75-72 

162.18 

252.25 

25 

75-35 

161.98 

252.14 

26 

75-03 

161.74 

251.91 

27 

74-77 

161.45 

251.60 

28 

74-53 

161.16 

251.27 

29 

74-25 

160.83 

250.92 

30 

73-98 

160.52 

250.66 

31 

73-64 

160.21 

250.41 

32 

73-27 

159-91 

250.16 

33 

72.86 

159-58 

249.89 

34 

72.47 

159.22 

249.54 

35 

72.07 

158.81 

249.10 

36 

71.68 

158.35 

248.64 

37 

71.27 

157-89 

248.18 

38 

70.80 

157-42 

247.77 

39 

70.29 

156.97 

247.46 

40 

69.72 

156.57 

247.24 

41 

69.09 

156.16 

246.99 

42 

68.49 

155.73 

246.69 

43 

67.94 

155-29 

246.30 

44 

67.38 

154-77 

245.75 

45 

66.90 

154.20 

245.10 

46 

66.43 

153-59 

244.41 

47 

65-93 

152.98 

243-74 

48 

65-36 

152.33 

243.09 

49 

64-77 

151.71 

242-53 

50 

64.12 

151.12 

242.01 

51 

63.40 

150.50 

241.43 

52 

62.74 

149.86 

240.78 

53 

62.13 

149.21 

240.09 

54 

61.51 

148.54 

239-35 

55 

60.95 

147-87 

238.61 

56 

60.40 

147.21 

^?>7-^7 

57 

59-87 

146.58 

237-14 

58 

59-34 

145.91 

236.28 

59 

58.9T 

145-21 

235.29 

60 

.58.51 

144.46 

234-14 

61 

58.16 

143-63 

232-83 

62 

57.86 

142.73 

231-39 

63 

57.60 

141.85 

230.02 

64 

57-33 

141.04 

228.82 

65 

57-03 

140.39 

227.90 

4  Years. 

345-84 
345-68 
345-76 
345-92 
345-99 
345-92 
345-70 
345-39 
345-06 
344-78 
344-55 
344-38 
344.20 
343-96 
34362 
343-21 
342.77 
342.37 
342.10 

341.94 
341.86 

341-74 
341-53 
341.14 
340.58 
339-90 
339-21 
338.55 
337-98 
337-50 
337.03 
336.49 
335.85 
335-14 
334.37 
333-59 
332.81 

331.93 
330.89 
329.63 
328.13 
326.43 
324.62 
322.91 
321.47 
320.49 


Years. 

443.10 
443.02 
443-19 
443-42 
443-55 
443-51 
443-34 
443-06 

442.79 
442.58 

442.43 
442.33 
442.2c; 
441.99 
,441.70 

441.35 
441.00 

440.74 
440.62 

440.59 
440.62 
440.62 

440.45 
440.09 

439.59 
438.97 
438.33 
437.78 
437-33 
436.92 
436.51 
436.04 
435.45 
434.76 
434.05 
433.29 
432.45 
431.49 
430.34 
4?8.90 
427.18 
425.28 
423.31 
421.45 
419.99 

419.03 


y/2% 


Am.  Ex. 

WISCONSIN  MINIMUM  STANDARD 


l^he  Wisconsin  laws  are  silent  about  reser\es  lower  than  "net 
])remium."  The  law  has  been  construed,  howe\er,  to  permit  "pre- 
linu'nary  term."  when  the  ])olicy  is  so  written. 

The  new  laws  seem  to  limit  and  modify  this,  however,  by  ])ro- 
viding-  (a)  for  a  limitation  of  first  year  expense  margin  to  a  sum  set 
free  under  the  "Illinois  and  'I'ennessee"  standard  and  (b)  for  a  limita- 
tion thereafter  for  foiu"  years  to  one-and-one-half  the  loading  on  a  "net 
level  premiinn"  basis  and  (c)  for  a  limitation  thereafter  to  the  loading 
on  a  net  le\'el  ])remium  basis,  with  the  further  limitation  (d)  that  the 
present  \alue  of  all  these  "expense  charges"  shall  ])e  limited  to  one- 
third  the  net  single  premium,  whole  life,  American  l*".xperience  3  per 
cent.,  for  all  plans. 

The  reserves  given  herewith  ha\e  been  cominited  on  that  basis. 


263 


3'/2% 


Am.  Ex. 


WISCONSIN    STANDARD. 
TERMINAL  RESERVES. 
WHOLE  LIFE. 


Age. 

I  Year. 

2  Years. 

20 

0.00 

3.64 

21 

0.00 

3-84 

22 

0.00 

4.06 

23 

0.00 

4.28 

24 

0.00 

4-53 

25 

0.00 

4.76 

26 

0.(XJ 

5.02 

27 

0.00 

5-30 

28 

0.00 

5-58 

29 

0.00 

5-86 

30 

0.00 

6.18 

31 

0.00 

6.51 

32 

0.00 

6.83 

33 

0.00 

7.19 

34 

0.00 

7-56 

35 

0.00 

7.96 

36 

0.00 

8.37 

37 

0.00 

8.76 

38 

0.00 

9.21 

39 

0.00 

9.67 

40 

0.00 

10.15 

41 

0.00 

10.65 

42 

0.00 

II. 17 

43 

O.CXD 

11.70 

44 

0.00 

12.26 

45 

0.00 

12.82 

46 

0.00 

13-38 

-^^ 

0.00 

13-95 

48 

0.00 

14-5^ 

49 

0.00 

15.08 

50 

0.00 

15.62 

51 

0.00 

16.19 

52 

0,00 

16.73 

53 

0.00 

17.27 

54 

0.00 

17.80 

55 

0.00 

18.30 

56 

0.00 

18.79 

57 

0.00 

19.28 

58 

0.00 

19.71 

59 

0.00 

20.12 

60 

0.00 

20.48 

61 

0.00 

20.80 

62 

0.00 

21.05 

63 

0.00 

21.28 

64 

0.00 

21.36 

65 

0.00 

21.37 

3  Years.         4  Years.        5  Years. 

7.39  11.25  15.22 

7.78  n.87  16.07 

8.24  12.55  ^^98 

8.71  13-25  17-93 

9.18  13.98  18.91 

9.67  14.72  19.91 

10.19  15.51  20.97 

10.75  t^>-35  22.12 

11.30  17.20  23.26 

11.90  18.10  24.48 

12.55  19-08  25.79 

13.19  20.06  27.12 
13.85  21.07  28.48 
14.59  22.17  29.95 
15-33  23.29  31.44 
16.13  24.48  33.05 
16.93  25.71  34.67 
17.74  26.93  36-32 
18.64  28.28  38.13 

19.56  29.66  39  97 

20.52  3I-II  41.88 

21.53  32.60  43.85 

22.54  34.12  45.85 
23-62  35.71  47.94 

24.70  37.29  50.0  T 
25.80  38.91  52.08 

26.90  40.49  54- 10 

27.99  42.06  56.  TO 

29.07  43 -60  58.06 
30.15  45- 16  60.04 

31.20  46.66  61.93 

32.28  48.18  63.81 

33.29  49.60  65.54 

34.30  51.00  67.24 
35.28  52.33  68.85 
36.19  53-57  70.28 

37.08  54.74  71.60 
37-91  55.84  72.79 
38.69  56.74  73.69 

39-37  57-55  74-44 

39.92  58.13  74.82 

40.40  58.54  74.90 

40.71  58.64  74.53 

40.91  58.56  73.85 
40.82  57.99  72.42 
40.54  57.06  70.43 


264 


3'/2% 


Am.  Ex. 


Age. 

1  Year. 

20 

0.00 

21 

0.00 

22 

0.00 

2?> 

0.00 

24 

0.00 

25 

0.00 

26 

0.00 

27 

0.00 

28 

0.00 

29 

0.00 

30 

0.00 

31 

0.00 

32 

0.00 

33 

0.00 

34 

0.00 

35 

0.00 

36 

0.00 

37 

0.00 

38 

0.00 

39 

0.00 

40 

0.00 

41 

0.00 

42 

0.00 

43 

0.00 

44 

0.00 

45 

0.00 

46 

0.00 

47 

0.00 

48 

0.00 

49 

0.00 

50 

0.00 

51 

0.00 

52 

0.00 

53 

0.00 

54 

0.00 

55 

0.00 

56 

0.00 

57 

0.00 

58 

0.00 

59 

0.00 

60 

0.00 

WISCONSIN    STANDARD. 
TERMINAL  RESERVES. 
TWENTY  PAYMENT  LIFE. 


Years.  3  Years.         4  Years.        5  Years. 

9.68  19.73  3017       .  41-00 

9.92  20.21  30.92  42.02 

10.17  20.71  3 1  ■'''7  43-04 

10.42  21.24  .^'-47  44-12 

10.69  21.79  33.30  45.24 

10.97  22.35  34-17  46.42 

11.25  22.92  35.03  47.58 
11.55  23.52  35.94  48.82 

1 1 .86  24. 1 5  •  36.89  50. 1  o 
12.16  24.76  37.83  51.37 
12.48  25.42  38.81  52.69 
12.83  26.10  39-86  54-11 
13.15  26.77  40.88  55.49 
13-5  f   •  27.51  41.98  56.97 

13.87  28.23  4308  58.42 

14.26  29.01  44-24  60.00 
14.64  29.77  4541  61.54 
15.01  30.52  46.54  63.07 
15-42  31-33  4776  64.71 
15.83  32.17  49.02  66.39 

16.27  33.04  50.32  68.10 
16.69  33-90  51.59  69.78 
17-15  34-79  52.93  71-53 
17-59  35-68  54-23  72>-22> 
18.06  36.57  55.54  74.94 
18.52  37-47  56.85  76.59 
18.95  38-32  58.04  78.10 
19.40  39- 16  5924  79.60 
19.82  39.95  60.34  80.98 
20.22 


40.70  61.39  82. 

20.59  41-39  62.37  83.45 

20.97  42.10  63.31  84.58 

21.33  42.74  64.17  85.54 

21.65  43-31  64.90  86.34 

21.96  43.83  65.54  87.01 

22.22  44.28  66.08  87.50 

22.49  44.71  66.55  87.88 

22.72  44.99  66.82  87.(>4 

22.88  45.24  66.91  S^j.JS 

23.02  45.36  66.84  87.3*1 

23.11  45.37  66.61  86.59 


265 


y/2% 


10 


WISCONSIN    STANDARD. 
TERMINAL  RESERVES. 
FIFTEEN  PAYMENT  LIFE. 


Am. 

Ex. 

Age. 

I  Year. 

2  Years. 

20 

6.47 

20.14 

21 

6.55 

20.52 

22 

6.68 

20.97 

-\^ 

6.77 

21-37 

-4 

6.85 

21.80 

^S 

6.97 

22.26 

26 

7.08 

22.74 

-7 

7.20 

23.21 

28 

7-31 

23.71 

•29 

7-43 

24.22 

30 

7..S6 

2475 

31 

7.67 

2S.28 

3^ 

7.80 

25.82 

2^1 

7-94 

26.42 

34 

8.07 

27.00 

35 

8.20 

27-59 

36 

8.34 

28.20 

?>7 

8.48 

28.83 

38 

8.62 

29.47 

39 

8.75 

30.09 

40 

8.89 

30.76 

41 

903 

31-44 

42 

9.16 

32.  IT 

43 

9-30 

32.78 

44 

9.41 

33-45 

45 

9-54 

34-11 

46 

9.67 

34-79 

47 

•  9-78 

35-42 

48 

9.88 

36.01 

49 

9.96 

36.57 

50 

10.06 

37.  T  2 

51 

lO.II 

37-59 

52 

10.18 

38.07 

53 

10.21 

38.45 

54 

T0.21 

38.78 

55 

10.19 

39-04 

56 

TO.15 

39.24 

S7 

10.07 

39-37 

58 

9.98 

39-41 

59 

9.84 

39-33 

60 

9.67 

39.16 

6t 

9-47 

38-89 

62 

9.22 

38.48 

63 

8.91 

37-94 

64 

8.59 

37.21 

65 

8.19 

36-32 

3  Years. 

4  Years. 

5  Years. 

34-36 

49-15 

64.51 

35-04 

50.15 

65.86 

35-83 

SI. 28 

67-34 

36.56 

52.35 

68.77 

}.7}^2 

53-46 

70.24 

38-15 

54-68 

71-85 

38.99 

55-90 

73-45 

39.85 

57-14 

75-11 

40.73 

58-41 

76.80 

41.65 

59.76 

78.56 

42.62 

61.15 

80.41 

43-55 

62.53 

82.24 

44-53 

63-97 

84.14 

45-60 

65-49 

86.15 

46-64 

67.02 

88.13 

47-72 

68.56 

90.19 

48.78 

70.12 

92.23 

49-91 

71.76 

94.40 

5 1 -06 

73-41 

96.58 

52-19 

75-07 

98.75 

53-41 

76.84 

101.06 

54-63 

78.59 

103.34 

55-82 

80.31 

105.59 

57-03 

82.04 

107.82 

58.22 

83-75 

T  10.06 

59.41 

85-45 

112.19 

60.63 

87.16 

1  14.39 

61.72 

88.69 

II6.3I 

62.77 

90.16 

I18.I7 

6377 

91.56 

119-93 

64.72 

92.88 

121.56 

65-58 

94-05 

123.00 

66.40 

95-17 

124.33 

67.08 

96.07 

125.37 

67-65 

96.81 

126.2T 

68.12 

97-40 

T  26.82 

68.48 

97-8T 

127.17 

68.66 

97-99 

I27.T9 

68.75 

97-93 

\2(i.%'J 

68.60 

9756 

T26.II 

68.26 

96.90 

T  24.92 

^y-yi 

95-97 

12330 

67.00 

94-58 

i2r.04 

65-97 

92.82 

T  18.24 

64.61 

90.50 

IT  4. 58 

62.91 

87.64 

II0.I6 

266 

^1    >  WISCONSIN    STANDARD. 

1/oQn  TERMINAL  RESERVES. 

W     ^  A^  TEN  PAYMENT  LIFE. 

Am.  Ex. 


Age. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

19.64 

41-51 

64.27 

87-98 

112.66 

21 

19.91 

42.21 

65.41 

89.60 

114.77 

22 

20.24 

42.99 

66.66 

91.32 

IT  6.99 

23 

20.55 

43-75 

67.92 

93.08 

119.26 

24 

20.8  s 

44-54 

69.18 

94.84 

121.56 

25 

21.18 

45-35 

70.51 

96.72 

123.99 

26 

21.54 

46.23 

71.91 

98.65 

I  26.48 

27 

2 1 .90 

47-12 

73-35 

100.67 

129.10 

28 

22.25 

48.00 

74.80 

102.68 

131.72 

29 

22.63 

48.94 

76.33 

104.82 

134.48 

30 

23.00 

49-87 

77-84 

106.92 

137.21 

31 

2341 

50.90 

79-49 

109.25 

140.22 

32 

23-83 

51-93 

81.18 

111.61 

143.28 

33 

24.25 

52.99 

82.90 

114.00 

146.38 

34 

24.67 

54-05 

84.63 

116.42 

149.48 

35 

25.12 

55-18 

86.45 

118.94 

152.76 

36 

25-55 

56.29 

88.25 

121.48 

156.03 

37 

26.02 

57-47 

90.15 

124.14 

159-48 

38 

26.48 

58.65 

92.08 

126.84 

162.98 

39 

26.96 

59-86 

94.05 

129.58 

166.52 

40 

27.44 

61.10 

96.06 

132.39 

170.13 

41 

27.91 

62.33 

98.09 

135.21 

iiz-l^ 

42 

28.40 

63.61 

100.14 

138.09 

177.47 

43 

28.89 

64.89 

102.25 

141.02 

181.24 

44 

29-37 

66.16 

104.32 

143.88 

184.92 

45 

29.87 

67.47 

106.44 

146.82 

188.65 

46 

3036 

68.75 

T08.52 

149-69 

102.32 

47 

30.82 

70.00 

110.54 

152.47 

195-86 

48 

31-30 

71-25 

112.54 

155.22 

199-35 

49 

3T-74 

72.42 

114-43 

157.82 

202.68 

50 

32.20 

73.60 

it6.'^2 

160.43 

205.98 

51 

32.61 

74-71 

T  18.12 

162.88 

209.10 

52 

33-01 

75-77 

1 19.81 

165.20 

212.00 

53 

3338 

76.76 

121.40 

167.37 

214.74 

54 

33-69 

77-65 

T  22.83 

160.31 

217.19 

55 

33-97 

78-45 

T24.I4 

171.10 

219.41 

56 

34- T  9 

79.16 

125.27 

172.62 

221.30 

SI 

34-35 

79-73 

126.16 

173.82 

222.73 

58 

34-46 

80.17 

126.92 

174.76 

223.84 

59 

34-40 

80.46 

127.38 

175.33 

224.45 

60 

34-46 

80.59 

127-59 

175.56 

224.59 

61 

34-34 

80.53 

127.49 

175.29 

224.05 

62 

34- Ti 

80.25 

T  27.06 

174.56 

222.88 

63 

33-82 

79.79 

126.25 

173-25 

220.92 

64 

33-39 

79.04 

125.02 

T7T-35 

218.T5 

65 

32.84 

78.02 

T  23.30 

i68.7r 

21433 

267 


2^2% 


Am.  Ex. 


Age. 

I  Year. 

2  Years. 

20 

19.00 

48.47 

21 

18.69 

48.08 

22 

18.39. 

4771 

2«S 

18.07 

47-30 

24 

17.72 

46.87 

25 

17-37 

4643 

26 

17.01 

45-98 

27 

16.66 

45-5^J 

28 

16.27 

45-07 

29 

15.88 

44-58 

30 

1549 

44-10 

31 

15-07 

43-59 

32 

14.66 

43.08 

33 

14.21 

42.53 

34 

1378 

42.01 

35 

1333 

41.47 

36 

12.86 

40.89 

37 

12.40 

40.33 

38 

11.92 

39-76 

39 

11.44 

39.19 

10 

10.95 

S8.62 

41 

10.45 

38.03 

42 

9-95 

37-47 

43 

9-44 

36.87 

44 

8.94 

36.32 

45 

8.44 

35-75 

46 

7-94 

35- 16 

47 

7-44 

34-59 

48 

6.94 

33-99 

49 

6.46 

33-40 

SO 

5-99 

32.81 

51 

5-52 

32.23 

52 

5-o6 

31.64 

53 

4.62 

31.07 

54 

4.20 

30.50 

55 

3.80 

29.94 

56 

340 

29-39 

57 

3.02 

28.84 

58 

2.68 

28.29 

59 

2.35 

27-75 

60 

2.05 

27.21 

WISCONSIN    STANDARD. 
TERMINAL  RESERVES. 
TWENTY  YEAR  ENDOWMENT. 


3  Years  4  Years.         5  Years. 

79.16  1 1 1. 13  144.45 

78.66  110.57  14379 

78.23  110.04  143-17 

77.75  109.47  142.5  [ 

77.22  108.83  141.76 

76.70  108.21  141-03 

76.15  107.57  140.27 
75.63  106.94  139.55 
75.05  106.25  138.76 
74.45  105.55  137-93 
73.88  104.86  137.12 
73.27  104.14  136.28 

72.63  103.40  135.42 
72.00  102.64  13452 
71.36  101.88  133.61 
70.72  loi.ii  132.72 
70.02  100,29  131.73 
69-34  99-48  130.79 
68.66  98.67  129.83 
67.98  97.86  128.88 
67.32  97.08  127.94 
66.62  96.24  126.93 
65-95  95-46  125.98 
65.25  94.60  124.93 

64-59  93-78  123.94 

63.91  92.94  122.85 

63.20  92.03  121.68 

62.48  91.11  120.48 

61.71  90.10  119.16 
60.95  89.09  117-85 

60.16  88.05  T  16.44 

59.41  87.01  115.04 
58.59  85.88  113.48 
57.80  84.76  I  II. 9 1 
56.97  83.56  110.23 
56.15  82.38  108.52 
55.32  81. 1  I  106.69 

54.42  79.77  104.69 

53-57  7^-3(^  102.57 

52.64  76.87  100.30 
51.68  75.30  97.86 


268 


y/2% 


Am.  Ex. 


WISCONSIN  STANDARD. 

TERMINAL  RESERVES. 

FIFTEEN  YEAR  ENDOWMENT. 


Age. 

I  Year. 

2  Years. 

20 

3703 

82.58 

21 

36.72 

82.17 

22 

36.45 

81.81 

23 

36.14 

81.39 

24 

35-80 

80.95 

25 

35-47 

80.51 

26 

35-14 

80.08 

27 

34-79 

79.61 

28 

34-43 

79-13 

29 

34-05 

78.61 

30 

33-67 

78.12 

31 

33-25 

77-56 

32 

32.84 

77-01 

33 

32-41 

76.44 

34 

31-97 

75-87 

35 

31-51 

75.26 

S6 

31-04 

74-63 

37 

30.57 

73-99 

38 

30.06 

73-31 

39 

29-55 

72.64 

40 

29.02 

71.94 

41 

28.48 

71.23 

42 

27.92 

70.50 

43 

27-35 

69-73 

44 

26.76 

68.96 

45 

26.17 

,68.16 

46 

25-57 

67-35 

47 

24.96 

66.  SI 

48 

24.32 

65.61 

40 

23.67 

64.68 

.=^0 

2303 

63.72 

5' 

22.35 

62.70 

52 

21.68 

61.68 

53 

20.99 

60.60 

54 

20.28 

59.48 

55 

19.55 

58.30 

5^' 

18.82 

57.09 

57 

18.06 

55-84 

58 

17-31 

54-53 

50 

16.54 

S^■^7 

60 

15-75 

5  •  -7.^ 

61 

14-95 

50.23 

62 

14-13 

48.66 

^•^ 

13.28 

47.00 

^•4 

'2.43 

45-21 

'^•5 

11.54 

4332 

3  Years. 

4  Years. 

130.05 

179-54 

129.52 

178.91 

129.08 

178.36 

128.55 

177.72 

128.02 

177.07 

'27.45 

176.38 

1 26.90 

175-71 

126.30 

174.96 

125.70 

174-23 

125.05 

173-45 

124.44 

172.69 

123.72 

171.83 

123.03 

170.97 

122.32 

170.12 

121.58 

169.22 

120.82 

168.26 

120.00 

167.27 

119.20 

166.28 

118.33 

165.21 

117.47 

164.15 

116.59 

163.06 

115.70 

161.95 

114.76 

160.79 

113.76 

159-52 

112.77 

158.27 

111.73 

156.94 

110.67 

155.55 

109.53 

154-07 

108.30 

152.44 

107.02 

150.76 

105.68 

148.98 

104.27 

14707 

102.80 

145.09 

IOT.2S 

142.97 

99.6b 

140.72 

97-88 

138.34 

96.09 

135-83 

94.16 

133-15 

92.19 

130.29 

90.08 

127.24 

87.81 

123.98 

85-43 

120.47 

82.80 

116.67 

80.1s 

112.56 

77-14 

108.01 

7389 

103.02 

Years. 

231.12 
230.38 
229.73 
228.96 
228.20 
227.38 
226.58 
225.71 
'224.83 
223.90 
223.00 
221.97 
220.96 
219.94 
218.83 
217.70 
216.50 
215-32 
214.03 
212.74 
211.41 
210.07 
208.63 
207.07 

265.53 
203.82 
202.09 
200.20 
198.12 

195-97 
193.67 
191.20 
188.60 
185.81 
182.85 
179.68 

176.33 
172.71 
168.83 
164.67 
160.15 

155-27 
149.94 

144-13 
137.61 

130.45 


269 


y4% 


Am.  Ex. 


WISCONSIN  STANDARD. 

TERMINAL  RESERVES. 

TEN  YEAR  ENDOWMENT. 


Age. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

73-95 

152.49 

234.37 

319-77 

408.83 

21 

7370 

152.12 

233.87 

319.17 

408.10 

22 

7348 

15T-77 

233-4' 

3^8.55 

407.35 

-\^ 

73.2T 

151-36 

232.87 

317.88 

406.54 

24 

72.93 

1.50.95 

232.3  [ 

317.16 

405.65 

25 

72.64 

150.52 

231.73 

316.43 

404.78 

26 

72.37 

150.10 

23^.15 

315-69 

403.88 

27 

72.07 

149.65 

230.55 

314-94 

402.96 

2<S 

71.76 

149.19 

229.93 

314-15 

402.01 

29 

71.45 

148.72 

229.30 

3  T  3-36 

401.04 

30 

71. ir 

148.20 

228.62 

3 1 '2.47 

399.97 

31 

70-75 

147.66 

227.88 

311.55 

398.85 

32 

70.40 

147-T3 

227.18 

310.67 

397-78 

33 

70.02 

146.57 

226.4T 

309.68 

396.59 

34 

69.64 

145-99 

225.62 

308.71 

395.37 

35 

69.23 

T  45 -37 

224.79 

307.62 

394.08 

36 

68.S0 

U4-73 

223.92 

306.54 

392.73 

37 

68.37 

144.08 

223.02 

305-39 

'391-36 

38 

67.91 

143-39 

222.09 

304.21 

389.92 

39 

67.44 

T42.66 

221.12 

302.98 

388.41 

40 

66.95 

141.92 

220.11 

301.68 

386.82 

4T 

66.43 

T41.14 

219.05 

300.33 

385-16 

42 

6  s. 90 

140.34 

217.96 

298.93 

383-44 

43 

65-33 

T  39.47 

216.78 

297.42 

381.58 

44 

64.75 

138.59 

2T5-57 

295-85 

379.66 

45 

64.16 

137.68 

214.30 

294.20 

377-58 

46 

63-56 

136.74 

213.01 

292.51 

375-47 

47 

62.90 

135.73 

21T.57 

290.64 

373-13 

48 

62.23 

1.34.63 

210.03 

288.61 

370.59 

49 

61.53 

133.49 

208.39 

286.45 

367.90 

50 

60.8^ 

132.32 

206.72 

284.25 

365.14 

51 

60.06 

131-05 

204.89 

281.81 

362.09 

52 

59.29 

129.72 

202.97 

279.27 

358.86 

53 

58.47 

128.31 

200.92 

276.52 

355-39 

54 

57.61 

126.83 

198.74 

273.61 

351-73 

55 

56.70 

125.22 

196.40 

270.48 

347-76 

56 

55-74 

T23-53 

193.90 

267.11 

343-48 

57 

54-73 

121.74 

191.21 

263.50 

338.85 

58 

53.69 

119.84 

188.40 

2.59.63 

333.91 

59 

52.57 

117.78 

185-32 

255.43 

328.52 

60 

51.39 

115.60 

182.00 

250.92 

322.67 

61 

50- T  5 

113.27 

178.47 

246.02 

316.31 

62 

48.84 

110.81 

174.69 

240.77 

30').46 

63 

47-47 

108.15 

170.57 

235.00 

301.87 

64 

45-99 

105.27 

166.10 

228.75 

293-61 

65 

44.43 

102.20 

161.26 

221.89 

284.49 

270 


3'/2% 


Am.  Ex. 


WISCONSIN  STANDARD. 

MEAN  RESERVES. 

WHOLE  LIFE. 


Age.  I   Year.  2  Years.  3  Years.  4  Years.        5  Years. 

20  }i.'j'j                   7.36  11.06  14.86  18.78 

21  3.79                  7-58  11-47  1549  19-63 

22  3.82                  7.82  11.94  16.19  20.56 

23  3.84                  8.07  12.42  16.91  21.52 

24  3.87                  8.33  12.92  17.65  22.51 

25  3-89                  8.59  1343  18.41  23.53 

26  3.93                  8.88  13.97  19.22  24.61 
2^  3.96                  9.18  \A.^(^  20.08  25.77 

28  3.99                  949  1514  20.95  26.93 

29  4.03                  9.81  15.76  21.88  28.17 

30  4.07  10.17  16.44  22.89  29.51 

31  4.11  TO.53  17.13  23.90  30.87 

Z^ 

33  4-21  11.31 

34  4-27 

35  4-32  12.1 


4.16  10.90  17.83  24.95  32.26 

11.31  18.60  26.09  33-77 

11-73  19-39  27.26  35.31 

oj  -r-^-  12.18  20.25  28.51  36.97 

36  4.39  12.65  21.12  29.79  38.66 

37  4-46  13-12  21.99  31.08  40-37 

38  4-54  13-65  22.97  32.50  42.25 

39  4-63  14-19  23.97  33.97  44-17 

40  4-73  14-77  25.03  35.51  46.19 

41  4.83  15.37  26.14  37.11  48.27 

42  4.95  16.01  27.28  38.75  50.41 

43  5.08  16.68  28.49  40.4Q  52.65 

44  5-23  17-38  29.73  42.25  54-90 

45  5.39  18.12  31.02  44.06  57.20 

46  5S8  18.88  32.33  45-88  59.48 

47  5-80  19.68  2,1^-]  47-73  61.78 

48  6.04  20.51  35-04  49-59  64.08 
49 
50 

51  7-02  23.23  39.37  SS-n  l^■^2^ 

52  7.43  24.21  40.89  57-29  73.41 

53  7-89  25.24  42.35  59-25 
54 

56  9.60  28.59  47- ^^  65.16  82.36 

57  10.31  29.82  48.78  67.06  84.50 

58  11.08  31.09  50.43  68.95  86.45 

59  11.94  .32.42  52-11  70.82  88.36 

60  12.89  33.80  53.76  72.59  90.04 

61  13.95  35-25  55-45  74-32  91-57 

62  15.12  36.75  57.11  75.90  ()2.8r 

63  16.40  38.36  58.81  77.45  <)3.92 

64  17.81  39.<)7  60.38  78.70  <)4.5o 

65  19.39  41-67  61.94  79.79  94.73 


6.33  21.38  ^6.46  51-50  66.44 

6.65  22.28  37.88  53.40  68.76 


8.40  26.31  43.95  61.22  78.00 

8.97  27.42  45-52  63.15  80.20 


271 


3'/2% 


Am.  E: 


WISCONSIN  STANDARD. 

MEAN  RESERVES. 

TWENTY  PAYMENT  LIFE. 


Age. 

I  Year. 

2  Years. 

20 

3-77 

13.28 

21 

3-79 

13-54 

22 

3.82 

13.80 

23 

3-84 

14.08 

24 

3-87 

14-37 

25 

3-89 

14.67 

26 

3-93 

14.98 

27 

3-96 

15-30 

28 

3-99 

15.64 

29 

4-03 

15.98 

30 

4.07 

16.33 

31 

4.1 1 

16.72 

32 

4.16 

17.09 

33 

4.21 

17.49 

34 

4.27 

17.90 

35 

4-32 

18.35 

36 

4-39 

18.79 

37 

4.46 

19.24 

38 

4-54 

19.72 

39 

4-63 

20.22 

40 

4-73 

20.75 

41 

4.83 

21.28 

42 

4-95 

21.86 

43 

5.08 

22.44 

44 

5-23 

23-05 

45 

5-39 

23.69 

46 

5-58 

24.32 

47 

5-80 

25.00 

48 

6.04 

25.69 

49 

6.33 

26.40 

50 

6.6s 

27.13 

51 

7.02 

27.90 

52 

7-43 

28.69 

53 

7.89 

29-51 

54 

8.40 

30.36 

55 

8.97 

31.24 

56 

9.60 

32.19 

57 

10.31 

33- 16 

58 

11.08 

34-17 

59 

11.94 

35-23 

60 

12.89 

36.35 

3  Years. 

4  Years. 

5  Years. 

23-14 

33-39 

44.02 

23.64 

34-14 

45-05 

24.16 

34-91 

46.07 

24.70 

35-72 

47.16 

25.26 

36.57 

48.29 

25-85 

37-45 

49-48 

26.44 

38.33 

50.66 

27.06 

39.26 

51.91 

27.72 

40.23 

53-21 

28.36 

41.19 

54-50 

29.04 

42.21 

55-84 

29.77 

43-28 

57-29 

30.47 

44-34 

58.70 

31-25 

45-48 

60.21 

32.02 

46.62 

61.72 

32.85 

47-84 

63-34 

33-68 

49.06 

6495 

34-50 

50.26 

66.54 

35-39 

51-56 

68.25 

36.31 

52.90 

70.01 

37-27 

54-30 

71-83 

38.23 

55-68 

73-62 

39-25 

57-14 

75-51 

40.28 

58.60 

77-37 

41-34 

60.08 

79.26 

42.42 

61.59 

81.15 

43-48 

63.03 

82.92 

44-58 

64.50 

84.72 

45-67 

65-93 

86.44 

46.75 

67-34 

88.13 

47-82 

68.71 

89-74 

48.95 

70.  T  2 

91.36 

50.06 

71.48 

92.88 

51.16 

72.79 

94.30 

52.28 

74.07 

95-66 

53-38 

75-31 

96.92 

54-54 

76.57 

98.16 

55-66 

77.71 

99.18 

56.79 

78.80 

100.06 

57-91 

79.82 

100.80 

59-04 

80.79 

101.40 

272 


3'/2% 


Am.  Ex. 


WISCONSIN  STANDARD. 

MEAN  RESERVES. 

FIFTEEN  PAYMENT  LIFE. 


Age. 
20 
21 
22 

23 

24 

25 
26 

27 

28 
29 
30 
31 
32 
33 
34 
35 
36 
2^1 
38 
39 
40 

41 
42 

43 

44 
45 
46 

47 
48 

49 
50 
51 
52 
53 
54 
55 
56 
57 
58 
59 
60 
6t 
r.2 
^\^ 
64 
^5 


Year. 

lO.II 

10.21 
10.36 
10.48 
10.58 
10.72 
10.86 

II.OI 

I1.I5 

II.3I 
11.48 

11.62 

11.80 
11.99 

12.17 

12.35 
12.55 

12.76 

12.98 
13.20 

13-43 
13.67 
13.92 
14.18 
14.44 
14.72 
1504 
15-36 
15-70 
16.06 
16.48 
16.90 
17-37 
17-85 
18.36 
T8.90 
19.49 

20.  TO 
20.78 
21.50 
22.28 

23- T  3 

24.04 

25.02 
26. 11 
27.28 


2'  Years. 

23-52 
23.92 
24.38 
24.80 
25.24 

25-73 
26.22 
26.72 
27.24 
27.78 

28.35 
28.91 
29.49 
30-13 
30-75 
31.40 
32.06 
32.76 
33-47 
34-^7 
34-93 
35-71 
36-49 
37-29 
38.10 

38-93 
39.80 
40.65 
41-51 
42.37 
43.26 
44.11 
45.02 
45-88 

46.75 
47.61 
48.48 

49-35 
50.22 
5  T  .06 
51.90 
52.76 
53-60 
54-44 
55-25 
56.06 


3  Years. 

37-47 
38.16 
38.96 
39-70 
40.48 
41-32 
42.18 

43-05 
43-95 
44.89 
45-88 
46.85 
47-86 
48.96 
50.04 
51.16 
52.28 
53-47 
54-69 
55-89 
57-19 
58.51 
59-82 
61.15 
62.50 
63.86 
65.28 
66.62 

67-95 
69.27 

70.59 
71-85 
73-13 
74-32 
75-47 
76.58 
77.65 
78.64 
79.60 

80.44 
8T.20 
81.91 
82.40 
82.97 
83.26 
83.42 


Years. 

51-97 
52-98 
54-11 
55-19 
56-31 
57-53 
58.76 
60.01 
61.30 
62.66 
64.08 

65.47 
66.93 
68.49 
70.05 
71.64 
73-24 
74.94 
76.66 
78.38 
80.23 
82.08 
83.92 
85.78 
87.65 
89.53 
91-47 
93.26 

95-03 
96.77 
98.47 
100.08 
101.68 

103.  T  3 
104.48 
105.76 
T  06.93 
107.95 
T  08.86 

109.55 
T  10.07 
1  10.45 
1  10.54 
110.41 
109.91 
109.08 


Years. 

67.05 
68.39 
69.87 
71.29 

12-77 
74-38 
75-99 
77-64 
79-34 
81.12 
82.97 
84.82 
86.74 
88.77 
90-79 
92.88 

94-97 
97.18 
99.42 
101.66 
104.06 
106.44 
108.80 
111.18 

113-57 
115.92 
118.35 
120.55 

124.85 
1  26.89 
128.79 
130.64 
132.27 
133-76 

I35-II 
136.28 
137.22 
137.92 

T  38.3 1 
138.40 
138.22 
137-56 
136.54 
134.89 
132.70 


^3 


3'/2% 


Am.  Ex. 


WISCONSIN   STANDARD. 

MEAN  RESERVES. 

TEN  PAYMENT  LIFE. 


Age. 

I  Year. 

2  Years. 

20 

23.01 

44-45 

21 

23-30 

45-i6 

22 

23.64 

45-94 

23 

23-97 

46.72 

24 

24.29 

47-51 

-5 

24.64 

48.34 

26 

25.02 

49.22 

27 

25.40 

50.13 

28 

25-78 

51-03 

29 

26.19 

51-99 

30 

26.59 

52.94 

31 

27.03 

53-99 

32 

27.49 

55-05 

33 

27-95 

56.14 

34 

28.42 

57-23 

35 

28.91 

58.40 

36 

29.40 

59-55 

37 

29-93 

60.78 

38 

30.46 

62.02 

39 

31.01 

63-30 

40 

31-58 

64.61 

41 

32.14 

65.92 

42 

32-73 

67.29 

43 

33-34 

68.69 

44 

33-95 

70.08 

45 

34.60 

7I-54- 

46 

35-27 

72.99 

47 

35-92 

74-44 

48 

36.63 

75-93 

49 

37-34 

77-37 

50 

38.10 

78.87 

51 

38.86 

80.33 

52 

39-64 

81.78 

53 

40.44 

83.22 

54 

41.24 

84.61 

55 

42.06 

85-98 

56 

42.89 

87-31 

57 

43-72 

88.58 

58 

44-58 

89.80 

59 

45-44 

90.96 

60 

46.33 

92.06 

6t 

47-23 

9307 

62 

48.14 

9398 

63 

49-10 

94-84 

64 

50.05 

95-56 

65 

51.04 

96.17 

3  Years. 

66.76 
67.91 

69-15 
70.40 
71.67 
73.00 
74.41 
75-85 
77-30 
78.84 
80.36 
82.03 

83-73 
85-46 
87.21 
89.06 
90.90 
92.85 
94.82 
96.84 
98.92 

lOI.OI 

103.16 

T05.37 
107.56 
109.82 
1 12.07 
114.30 

116.55 
118.72 
120.93 
123.08 
125.18 
127.23 
129.18 
131.07 
132.8.^ 
134.48 
136.03 

T  37-40 
138.62 

139-64 
140.46 
I4T.O5 
141.38 
141.40 


4  Years. 

5  Years. 

90.00 

1 14.19 

91.60 

116.28 

93-32 

118.48 

9507 

120.74 

96.82 

123.01 

98.69 

125-43 

100.62 

127.90 

102.63 

130.50 

104.64 

133-10 

106.78 

135-85 

108.88 

138-57 

1 1 1.20 

141-57 

113-57 

144.62 

115-97 

147.71 

118.40 

150.82 

120.94 

154.10 

123-50 

157-39 

126.18 

160.85 

128.92 

164-37 

131.70 

167.94 

134-56 

171.60 

137-45 

175-29 

140.40 

179.07 

M3-43 

182.93 

146.42 

186.72 

149-50 

190.60 

152.54 

194-44 

155-54 

198.20 

158.53 

201.94 

161.42 

205.54 

164.34 

209.17 

167.17 

212.66 

169.90 

215-99 

172.54 

219.21 

175.01 

222.19 

177-39 

225-03 

T79.S8 

227.60 

181.53 

229.81 

T83-33 

231.79 

184.84 

233-37 

186.11 

234.61 

187.02 

235-30 

187.61 

235-52 

187.78 

235-12 

187-53 

234.10 

186.74 

232.26 

274 

^1    >  WISCONSIN  STANDARD. 

l/^Mn  MEAN  RESERVES. 

W     ^  /^  TWENTY  YEAR  ENDOWMENT. 

Am.  Ex. 

3  Years.  4  Years.       5  Years. 

81.34  112.67  M5-3^ 

80.89  1 12.13  144-70 

80.48  iii/>5  144.12 

80.03  1 1 1.12  143-50 

79.54  110.52  142.79 
79.06  109.95  142.11 
78-55  109.35  1 4 1. 4 1 
78.08  108.77  140-73 

77.55  108.14  139.99 
77.00  107.49  ^Z')-^^ 
76.48  106.86  138.38 
75.93  106.21  137.71 
75-37  105.53  136-92 

74.79  104.85  136.11 

74.23  104.17  135.29 
73.67  103.49  1 34-49 

73.06  102.76  133-62 
72.48  102.06  132.78 

71.91  101.36  131.95 
71.34  100.68  131-13 

70.80  100.03  130.34 

70.24  99.34  129.50 
69.73  98.72  128.74 
69.19  98.06  127.90 
68.73  97-46  127.13 
68.26  96.86  126.33 
67.79  96.23  125.47 
67.36               95-62  124.62 

66.92  94-97  123.70 
66.52  94-36  122.81 
66.14  93-76  121.90 
65-83  93-22  121.03 
65.51  92.63  120.08 
65.28                92.12  119.18 

65.07  91.60  118.23 

64.93  91-15  117-34 

64.86  90.72  116.40 

64.81  90.28  11541 

64.87  89.90  1 1 4.40 

64.97           89.53  ^^y}S' 

65.14           89.19  112.28 


Age. 

I  Year. 

2  Years. 

20 

22.38 

51-26 

21 

22.10 

50.90 

22 

21.83 

50.56 

23 

21.54 

50.19 

24 

21.23 

49-79 

25 

20.91 

49-39 

26 

20.59 

48.98 

27 

20.27 

48.60 

28 

19.92 

48.16 

29 

19-58 

47.72 

30 

19.24 

47.29 

31 

18.87 

46-83 

32 

18.51 

46.38 

33 

18.13 

45-90 

34 

17.76 

45-44 

35 

17-37 

44-98 

36 

16.98 

44-48 

Z7 

16.60 

44.01 

38 

16.21 

43-54 

39 

15-83 

43-07 

40 

15-45 

42.62 

41 

15.06 

42.15 

42 

14.69 

41.73 

43 

14-32 

41.29 

44 

13-98 

40.90 

45 

13-65 

40.53 

46 

1335 

40.16 

47 

13.07 

39.84 

48 

12.83 

39-53 

49 

12.64 

39.27 

50 

12.51 

39-05 

51 

12.42 

38.88 

52 

12.37 

38.75 

53 

12.40 

38-69 

54 

12.50 

38.68 

55 

12.67 

38.76 

56 

12.92 

38.90 

57 

13-25 

39-11 

58 

13.69 

39-42 

59 

14.23 

39.82 

60 

14.89 

40-33 

275 


f^i    J  WISCONSIN  STANDARD. 

^/^Qfl  MEAN  RESERVES. 

ll     ^  /^  FIFTEEN  YEAR  ENDOWMENT. 
Am.  Ex. 


Age. 

I  Year. 

2  Years. 

3  Years. 

20 

40.04 

84.67 

131.18 

21 

3976 

84-29 

130.69 

22 

39-52 

83-96 

130.27 

23 

39-24 

83-57 

129.78 

24 

38.93 

83-17 

129.28 

25 

38.63 

82.76 

128.75 

26 

38.34 

82.37 

128.25 

27 

38.02 

81.94 

127.69 

28 

37-70 

81.50 

127.14 

29 

37.37 

8r.o4 

126.54 

30 

37.04 

80.59 

125.98 

31 

36.66 

80.09 

125-32 

32 

36.31 

79.60 

124.69 

33 

35-94 

79.09 

124.05 

34 

35-56 

78.58 

123-39 

35 

35-17 

78.05 

122.70 

3^' 

34-77 

77-50 

T21.98 

37 

34-38 

76.95 

121.27 

38 

3396 

76.37 

120.50 

39 

33-55 

75.80 

119.76 

40 

33-12 

75.21 

119.00 

41 

32-70 

74.63 

118.24 

42 

32-27 

74.03 

117-45 

43 

31-83 

73-42 

116.62 

44 

31-40 

72.82 

115.82 

45 

30.98 

72.21 

114.99 

46 

30.58 

71.62 

114.17 

47 

30.19 

71.03 

113-32 

48 

29.81 

70.42 

112.41 

49 

29.45 

69.81 

111.49 

50 

29-15 

69.22 

110.55 

51 

28.84 

68.61 

109.57 

52 

28.59 

68.04 

108.60 

53 

28.36 

67-47 

107.60 

54 

28.17 

66.91 

106.57 

55 

28.02 

66.36 

105.53 

56 

27-93 

65-85 

104.48 

57 

27.88 

65-36 

103.41 

58 

27.91 

64.90 

102.34 

59 

28.01 

64.48 

101.25 

60 

28.18 

64.09 

100.12 

61 

28.44 

63.74 

98.98 

62 

28.80 

63.44 

97.82 

63 

29.24 

63.19 

96.62 

64 

29.82 

62.96 

95-32 

65 

30-51 

62.79 

9396 

4  Years.        5  Years. 

179.66  230.19 
179.06  229.49 

178.55  228.87 
177.94  228.15 
177.34  227.43 
176.69  226.65 
175.06  225.90 
175-37  225.07 
1 74.69  224.25 
173.96  223.38 

173.26  222.54 
172.46  221.58 

1 7 1 .67  220.64 
170.89  219.70 
170.06  218.69 
169.20  217.64 

168.30  216.55 
167.41  215.47 
166.45  214.30 

165.51  213.15 

164.56  211.97 
163.60  210.78 
162.60  209.53 

161.52  208.17 
160.48  206.86 
159-38  205.43 

158.27  203.98 
157.10  202.43 

155.82  200.73 

154.53  199.00 

153.18  197.17 
151.76  195.22 

150.31  193.21 
148.79  191.07 

147.19  188.82 
145.55  186.45 
143-85  183.97 
142.06  181.34 
140.22  178.54 
138.29  175.58 
136.24  172.41 
134.10  169.02 

131.83  165.35 
129.40  161.39 
126.72  156.95 
123.81  152.09 


276 


3'/2% 


Am.  Ex. 


WISCONSIN  STANDARD. 

MEAN  RESERVES. 

TEN  YEAR  ENDOWMENT. 


Age.         I  Year.  2  Years.  3  Years.  4  Years.        5  Years. 

20  76.20  153.13  233.34  316.98  404.21 

21  75.97  152.79  2^2&']  316.40  403.51 

22  75.78  152.47  232.43  315.82  402.79 

23  75.54  152.09  231.92  315-18  402.02 

24  75.29  1 5 1. 7 1  231.40  314.50  401.17 

25  75.03  I51.3I  230.86  313.81  400.34 

26  74.79  150.93  230.32  313.II  399.48 

27  74.53  150.52  229.76  312.40  398.61 

28  74.25  150.10  229.18  311.66  397.70 

29  73-99  149.67  228.60  310.92  396.79 

30  73.69  149.20  227.96  310.09  395.77 

31  73.37  148.71  227.28  309.22  394-71 

32  73.08  148.24  226.63  308.40  393-70 

33  7'2-1^  147-7-3  225.93  30748  392.57 

34  72.43  147-22  225.21  306.57  391.44 

35  72-09  146.67  224.45  305-57  390.22 

36  71.73  146.10  223.66  304.57  388.97 

37  71-37  145-53  222.86  303.51  387.68 

38  71.00  144.93  222.02  302.43  386.35 

39  70-62  144.31  221.15  301-31  384-95 

40  70.23  143.67  220.25  300.13  383.49 

41  69.82  14301  219.32  298.91  381.97 

42  69.41  142.34  218.37  297.66  380.40 

43  68.98  141.62  217.34  296.32  378.72 

44  68.55  MO.90  216.31  294.94  376.98 

45  68.12  14017  215.24  293.50  375-14 

46  67.72  139-44  214.16  292.05  37328 

47  67.27  138.66  212.99  290.45  371.23 

48  66.85  137-84  211.74  288.73  36901 

49  66.43  "37-00  210.43  286.91  366.67 

50  66.05  136.18  209.13  285.09  364.30 

51  65.65  135-29  207.71  283.09  361.69 

52  65.28  134-40  206.24  281.01  35896 

53  64.91  133.47  204.69  278.80  356.03 

54  64.56  132.52  203.08  276.47  352.97 

55  64.21  131.51  201.36  273.99  349-67 

56  63.87  130.48  199.56  271.35  346.14 

57  63.55  129.41  T97.65  268.53  342.35 

58  63.27  128.33  195.68  265.58  338.33 

59  63.00  127.17  193-55  262.37  333-97 

60  62.76  125-99  191.29  258.95  329.29 

61  62.56  124.76  188.92  255.30  324.22 

62  62.39  123.52  186.44  251.42  318.81 

63  62.29  122.21  183.76  247.19  312.84 

64  62.21  120.84  r  80.90  242.64  306.39 

65  62.21  119.43  177.84  237.69  299.30 


O™  3'/2% 

SELECT  and  ULTIMATE. 


The  ''select  and  ultimate"  method  of  \aluation  requires  no 
further  explanation. 

The  O^^^'i  (select)  table  is  the  only  authoritative  table  of  that 
character,  based  upon  the  combined  experience  of  insurance  compan- 
ies. It  embraces  the  entire  experience  of  all  British  companies  up  to 
the  year  1893  and  its  construction  was  the  result  of  years  of  labor  and 
care,  on  the  part  of  a  joint  committee  of  the  Institute  of  Actuaries 
and  the  Faculty  of  .Kctuaries. 

It  traces  the  effects  of  fresh  medical  selection  for  10  years, 
mergiuijj  into  an  ultimate  table,  O^^I^^^^,  after  the  10th  year  of  insur- 
ance. 

In  the  absence  of  a  similar  table  deduced  from  the  experience 
of  companies  of  Canada  and  the  United  States,  it  is  undoubtedly  the 
closest  approximation  of  average  experience  among  select  insured 
lives  in  both  countries.  Accordingly  the  "margins"  set  free  by  it  are 
the  best  available  criterion  of  the  maximum  value  of  new  insurances 
to  a  company. 


279 


3'/2% 


OM[io: 


NET  ULTIMATE  PREMIUMS. 


Age. 

O.L. 

20  P.L. 

15  PL- 

10  P.L. 

20Y.E. 

15Y.E 

20 

■3- '9 

20.24 

24.00 

33-55 

.^K^^ 

53-85 

21 

K^■s?, 

20.62 

25.06 

34- '7 

38-37 

53-90 

22 

13.88 

2 1 .02 

25-54 

34-81 

38-44 

53-95 

23 

14.24 

21.44 

26.03 

35-47 

38-52 

54.01 

-24 

14.' '3 

21.87 

26.54 

^6.16 

s8.r,o 

54.08 

-25 

15-03 

22.7,2 

27.07 

36.87 

38.6(; 

54-15 

2r» 

154^' 

22.78 

27.62 

37.60 

38.79 

54-23 

27 

1 5 'JO 

23-26 

28.19 

38-36 

38.90 

54-32 

28 

">-37 

^3-7(^ 

28.78 

30-14 

39.02 

5441 

2() 

16.86 

24.28 

29-39 

39-95 

39.16 

54-51 

3(> 

'738 

24.82 

30.03 

40.79 

39.30 

54.62 

31 

17.92 

25-38 

30.68 

41.66 

39.46 

54-75 

3-2 

18.50 

25-97 

31-36 

42.55 

39.63 

54-89 

3?, 

19.10 

26.57 

32-07 

43-48 

39.82 

55-04 

34 

1973 

27.20 

32.79 

44-43 

40.02 

55-19 

35 

20.39 

27.86 

33-55 

45-42 

40.25 

55-38 

3^^ 

2 1 .09 

28.54 

34-33 

46.43 

40.49 

55-57 

37 

21.83 

29.26 

35- '5 

47-49 

40.76 

55-78 

38 

22.61 

30.00 

35-99 

48-57 

4 1 .06 

56.01 

39 

2343 

30-77 

36.87 

49-69 

41.38 

56.27 

40 

24.29 

3^-58 

7,7-77 

50-84 

41.73 

56.55 

41 

2S.20 

32.42 

38-71 

52-04 

42. 1 2 

56-85 

42 

26.16 

33-30 

39-69 

53.27 

42.54 

57-18 

43 

27.17 

34-23 

40.71 

54-54 

43.01 

57-55 

44 

28.24 

35-19 

41-77 

55-85 

43-51 

57.95 

45 

20.38 

36.21 

42.86 

57-^  1 

44.07 

58.39 

46 

30.57 

^7■^7 

44.01 

58-61 

44.68 

58-87 

47 

3>.84 

38-39 

45-20 

60.0  s 

45-34 

59-40 

48 

33-18 

39-56 

46-45 

6f-55 

46.07 

59-98 

49 

34-59 

40.80 

47-75 

63.09 

46.87 

60.61 

50 

36.09 

42.1 1 

49- 1 1 

64.6(j 

47-74 

6  r .  30 

51 

37.68 

43-49 

50.53 

66.35 

48.70 

62.b6 

52 

39-37 

44-95 

52.03 

68.07 

49-74 

62.90 

53 

41.16 

46.50 

53-59 

69.85 

50.89 

6v8i 

54 

43.06 

48.15 

55-24 

71.70 

52-14 

64.81 

55 

45 -07 

49.90 

56-98 

73.62 

53-52 

65.91 

5^> 

47-21 

51-76 

58.81 

75-61 

5502 

67.11 

57 

49-49 

53-74 

60.74 

77.70 

56.66 

68.43 

58 

5 1  -90 

55-87 

62.79 

79-87 

58-45 

69.88 

59 

54-48 

58.14 

64.96 

82.14 

60.41 

71.47 

60 

57-21 

60.57 

67.27 

84-52 

62.55 

73.22 

61 

60. 1 3 

69.73 

87.01 

75-13 

62 

^>3-24 

72-35 

89-63 

77-2?, 

63 

^^^^■5S 

75-^6 

92.40 

79.52 

64 

70.08 

78.16 

95-3 1 

82.05 

65 

73-86 

81.38 

98.39 

84.82 

loY.E, 

85-74 
85-78 
85.82 
85.86 
85.92 

85-97 
86.0^ 
86.  TO 
86. 1 7 
86.25 
86.34 
86.43 
86.54 
86.65 
86.78 
86.91 
87.06 

87.23 
87.40 
87.61 
87.82 
88.05 
88.31 
88.60 
88.90 
89.25 
89.61 
90.02 
90.47 
90.95 
91.49 
92.07 
92.72 
93-42 
94.19 
9503 
95-96 
96.98 
98.09 

99-31 
100.65 
102.13 
103-75 
105.52 
107.48 
109.63 


28o 


3'/2% 


SELECT   AND   ULTIMATE. 
NET    SINGLE    PREMIUMS. 
OEM] 


Age. 

[x] 

[X]+I. 

[x]+2. 

[x]+3. 

[x]+4. 

[x]+5. 

20 

272.24 

279.88 

286.56 

293.04 

299.52 

306.05 

21 

277.31 

285.11 

291.96 

298.63 

305.30 

312.00 

22 

282.  S2 

290.52 

297.54 

304.40 

311.24 

318.15 

^3 

287.93 

2(/).o8 

303.30 

310.35 

317-39 

324.49 

24 

29347 

301.84 

309.24 

316.48 

323-72 

331.02 

25 

299.22 

307.76 

315.36 

322.80 

330.24 

337.74 

26 

305- 1 7 

3  >  3.88 

321.68 

329-31 

336.96 

344.66 

27 

311.26 

320.17 

328.18 

336.02 

34387 

35^.77 

28 

317-55 

326.65 

334.87 

342.91 

350.99 

359.10 

29 

324.01 

33332 

341-75 

350.01 

358.29 

366.62 

30 

330.67 

340.19 

348.83 

357-31 

365.81 

374.35 

31 

337-54 

347.25 

356.11 

364.80 

373.52 

382.28 

32 

344-57 

354.50 

363.58 

372.50 

381.43 

390.42 

33 

351-81 

361.95 

371.25 

380.40 

389.55 

398.76 

34 

359-21 

369.60 

379.12 

388.50 

397.87 

407.30 

35 

366.86 

377.44 

387.20 

396.79 

406.40 

416.04 

36 

374-67 

385.48 

395-47 

405.29 

415.12 

424.98 

37 

382.68 

393-71 

403-93 

414.00 

424.03 

434.  T  3 

38 

390.86 

402.13 

412.60 

422.88 

433.16 

443.46 

39 

399-25 

410.80 

421.44 

431.97 

442.48 

452.98 

40 

407.84 

419-57 

430.50 

44T.25 

451.97 

462.70 

41 

416.60 

428.57 

439.72 

450.70 

461.65 

472.59 

42 

425-56 

437-75 

449.15 

460.35 

47i.5f 

482.65 

43 

434.69 

447.11 

458.73 

470.16 

481.54 

492.87 

44 

443-96 

456.64 

468.51 

480.15 

491.73 

503.26 

45 

453-46 

466.35 

478.44 

490.31 

502.10 

5^3.81 

46 

463.10 

476.21 

488.53 

500.61 

512.59 

524.49 

47 

472.87 

486.23 

498.76 

51T.07 

52323 

535.32 

48 

482.81 

496.40 

509.16 

521.65 

534.01 

546.25 

49 

492.92 

506.70 

519.68 

532.37 

544.89 

557.30 

50 

503-14 

517.13 

530.3  T 

543.19 

555-89 

568.42 

5r 

513-48 

527-68 

541.07 

554.13 

566.98 

579.66 

52 

523-93 

538.34 

551.92 

565.16  • 

578.15 

590.95 

53 

534-48 

549.10 

562.86 

576.26 

589.39 

602.30 

54 

545- H 

559.94 

57389 

587.42 

600.69 

613.69 

55 

555.86 

570.85 

584.97 

.598.65 

6t2.01 

625.09 

5^> 

S66.68 

581.82 

596.09 

609.90 

(^2^■?>^ 

636.52 

57 

5775^ 

592.84 

607.25 

62 1 . 1 7 

^\^4.72 

647.92 

58 

588.42 

603.89 

618.43 

632.46 

646.07 

659.30 

59 

.599-3  T 

614.95 

629.6  T 

64372 

657.37 

670.61 

60 

610.27 

626.0 1 

640.77 

654.95 

668.65 

681.90 

61 

62T.T9 

637.06 

651.90 

666.15 

679.86 

693.09 

62 

632.09 

648.07 

662.98 

677.27 

69o.()() 

704.17 

^>3 

642.96 

659.02 

674.00 

688.30 

702.00 

7' 5-1 5 

f>4 

653-79 

669.93 

684.95 

699-25 

712.90 

725.tr/ 

^^5 

664.56 

68c,.74 

695.81 

710.07 

723.69 

736.6., 

28l 


3'/2% 


OtM] 


SELECT  AND  ULTIMATE. 
NET  SINGLE  PREMIUMS. 


Age. 

[x]+6 

[xj-r7 

LxJ  18 

[x|  •  9 

X   +10 

20 

312.62 

319.25 

325-93 

332.68 

339-49 

21 

318.76 

325.59 

332.48 

339.42 

346.42 

22 

325-11 

T,2,2.\2 

339-20 

346.35 

353-55 

^3 

?>Z '  -(^u 

338.85 

346.14 

353-48 

36o.8(; 

-4 

338.37 

345.78 

ZSZ-27 

^60.82 

368.43 

-^ 

345-29 

?,S2-9^ 

^60.61 

368.37 

376.18 

2f) 

352.42 

360.25 

368.15 

376.11 

384-13 

—  / 

359-75 

367.79 

375-89 

384-06 

392.29 

2K 

367.28 

375-53 

383.85 

392.22 

400.66 

2() 

375-02 

383-48 

391-99 

400.58 

409.23 

30 

382.97 

391-63 

400.37 

409.16 

418.00 

3^ 

391.10 

399-99 

408.93 

417-94 

426.99 

32 

399.46 

408.55 

417.71 

426.91 

436.16 

33 

408.0  T 

417-31 

426.68 

436.08 

445.54 

34 

416.76 

426.29 

435-85 

445-46 

455.11 

35 

42S-7- 

435-45 

445-22 

455.03 

464.87 

36 

434-88 

444-82 

454-79 

464.79 

474.82 

37 

444-23 

4.54-38 

464-54 

474.73 

484.93 

38 

453-77 

464.12 

474.14 

484.84 

495.23 

39 

463-51 

474-05 

484.59 

495-14 

505.68 

40 

473-42 

484-15 

494.88 

505-59 

516.29 

4T 

483-50 

494.42 

505.32 

516.21 

527-05 

42 

493-78 

504.86 

515.93 

526.96 

537.95 

43 

504-19 

515-45 

526.67 

^^ll^ 

548.96 

44 

51 4-75 

526.19 

537-55 

548.87 

560.11 

45 

525-47 

537.06 

548.57 

560.00 

571-33 

46 

536-32 

548.06 

559.69 

571-23 

582.64  • 

47 

547-28 

559.15 

570.91 

582.55 

594-05 

48 

558.37   • 

570.36 

582.22 

593-94 

605.49 

49 

569-55 

.581.65 

593.61 

605.40 

616.99 

50 

580.80 

.593.01 

605.03 

616.88 

628.52 

51 

592.13 

604.44 

6x6.^2 

628.39 

640.04 

52 

603.53 

6x5.90 

628.04 

639-93 

651.55 

53 

614.96 

627.39 

639-54 

651-46 

663.09 

54 

626.41 

638.88 

651.06 

662.95 

67453 

55 

637.87 

650.35 

662.54 

674-39 

685.93 

5^> 

649.34 

66T.82 

673-98 

685.79 

697.24 

■1/ 

660.75 

673.26 

685.38 

697.11 

708.47 

5S 

672.12 

684.60 

696.66 

708.34 

719-56 

59 

683.46 

695-87 

707.86 

719-43 

730.53 

60 

694.69 

707.03 

718.94 

730.40 

741-34 

61 

705-83 

7T8.TT 

729.89 

741.21 

751.29 

r.2 

716.85 

729.02 

740.70 

751-85 

762.48 

''v^ 

727.75 

739-79 

751.31 

762.29 

77^-73 

^'4 

7?.^-A^ 

750.40 

761.75 

77  2 -S^^^ 

7^2.76 

<^>5 

749-03 

760.80 

772.00 

7?.2r^^ 

792 -SO 

282 


3'/2% 


SELECT   AND    ULTIMATE. 
IMMEDIATE    LIFE    ANNUITIES    DUE. 


0[M] 


Age. 

[x]             [ 

x]  +  i. 

[x]+2.          [ 

x]+3-        [x]+4-         [x]+5. 

20 

21.521          21.295 

21.097           20.906 

'O.714          20.522 

21 

21.371          21.140 

20.938           20.741 

JO.  544          - 

20.345 

22 

21.217          : 

20.981 

20.777,           20.570 

20.367          20.163 

23 

21.057 

20.81 6 

20.602           20.3<;4 

'o."i86 

19.976 

24 

20.893 

20.646 

20.427           20.2 1 3 

V-<W 

^9-783 

-5 

20.723 

20.470 

20.246 

20.026           I 

9.8c6 

9-584 

26 

20.547 

20.290 

20.059 

9.833           J 

9.607 

19-379 

27 

20.367 

20.104 

19.867 

9-635           • 

9-403 

9.169 

28 

20.181 

9.912 

19.669 

9-431           1 

9-193 

L8.953 

29 

19.990 

9-715 

19-465 

19.221           1 

8-976 

[8.730 

30 

19793 

9-512 

19.256 

19.005           1 

8.754 

[8.501 

31 

19-5'^ 

9303 

19.041 

8.784           I 

8.526 

[8.267 

32 

19.382 

L9.088 

18.820 

L8.556           1 

8.292 

[8.026 

33 

19.168 

8.868 

18.593 

[8.323           1 

8.051 

17.7^0 

34 

18.949 

8.642 

18.360 

8.083           1 

7.806 

7-527 

35 

18.723 

8.410 

18.122 

7-838           1 

7-554 

7.269 

3^> 

18.492 

8.172 

17.877 

17.586           ] 

7.296 

7-004 

37 

18.255 

7.929 

17.626 

7-329           1 

7-032 

6-734 

38 

18.013 

7.679 

17.370 

7.066           1 

6.762 

6.458 

39 

17.765           ] 

7-425 

17.108 

6.797           I 

6.487 

6.176 

40 

17.511           1 

7.164 

16.841 

6.523           1 

6.206 

5.889 

41 

17.252 

6.898 

16.568 

6.243           1 

5.920 

5-597 

42 

16.987 

6.626 

16.290 

5-958           1 

5-628 

5-299 

43 

16.717 

'"'-350 

16.005 

5.668           I 

5-331 

4-996 

44 

16.442 

6.068 

15-717 

5-373           • 

5-030 

4.68.) 

45 

16.162 

5-781 

15-423 

5.072           1 

4-724 

4-377 

46 

T  5-877 

5-489 

15-125 

4.768          1 

4-413 

4.061 

47 

15-588 

5- '63 

14.822 

4-459          1 

4.098 

3-742 

48 

15-294 

4-8<;2 

14.515 

4.146 

3.780 

3-418 

49 

14-995 

4-588 

14.204 

^.'^2i) 

3-458 

3-o<;2 

50 

i4-^>93 

4.279 

13-889 

3-508               I 

3-133 

2.762 

51 

14-387 

3-9^7 

13-571 

3.185               1 

2.805 

2.430 

52 

14.078 

3-'"'5i 

13-250 

2.859               1 

2.474 

2.096 

53 

13.766 

3-334 

12.927 

2.531               1 

2.142 

1.761 

54 

T  3-45 1 

3-013 

12.601 

2.200               1 

1.808 

1.424 

55 

13- '.34 

2.6(jO 

12.277, 

i.Srxj         1 

1.473 

1 .087 

56 

12.814           1 

2.366 

11.944 

■•536         I 

i.m8 

0.749 

Tsl 

12.463 

2.040 

11.61  5 

1.203         1 

0.802 

0.412 

58 

12.171           1 

T-713 

11.284 

0.8rK;             1 

0.467 

0.076 

59 

1 1 .84(; 

1-387 

10.953 

0.536         I 

0.132 

9.740 

60 

'  ^-S^S 

1 .060 

10.623 

0.204 

6.799  • 

9.407 

r.r 

1  1 .202 

0.733 

10.294 

9.873 

9.467 

9.076 

r.2 

10.880 

0.407 

().966 

9.544 

0.m8 

8.748 

^>3 

10.558 

0.083 

9.640 

0.217 

8.812 

8.424 

(A 

10.238 

(;.76"i 

9.316 

8.8<,4 

8.4.  ,0 

8.10^ 

C>5 

9.920 

9.441 

8.996 

^■57^ 

8..71 

7-7^7 

283 


V 

/.Q^ 

SELECT 

AND    I 

0' 

^270 

IMMEDIATE 

LIFE    A 

Qim 

Age. 

[x]+6 

[x]+7 

[x]+8 

20 

20.327 

20. 1 3 1 

19-933 

21 

20.145 

19-943 

19.740 

22 

19-957 

19-750 

19-540 

-'3 

[9.764 

19-551 

19-336 

-24 

19.566 

19.346 

19-125 

-'5 

19.360 

19.136 

18.908 

2() 

19.150 

18.918 

18.685 

27 

18.933 

18.696 

18.456 

28 

18.710 

18.467    . 

18.221 

29 

18.482 

18.231 

17-979 

30 

18.247 

17.991 

17.732 

31 

18.006 

17-743 

17-479 

32 

17759 

17.490 

17.219 

33 

17.506 

17.231 

16-954 

34 

17.247 

16.966 

16.683 

35 

16.982 

16.694 

16.405 

3'^> 

16.712 

16.418 

t6.T2^ 

37 

T  6-435 

16.T35 

15-834 

38 

T6.153 

15.846 

15-541 

3') 

T  5-865 

15-553 

15.241 

40 

15-572 

15.254 

14-937 

41 

15-273 

14-951 

T  4.628 

42 

T  4.970 

14.642 

14-315 

43 

14.662 

T  4.329 

13-997 

44 

U-349 

14.011 

13-675 

45 

14033 

13.690 

13-350 

46 

13.712 

13-365 

13.021 

47 

T3-387 

13.036 

12.689 

48 

13.060 

12.705 

12-354 

49 

T2.730 

12.371 

12.018 

50 

12.396 

12.035 

IT. 679 

51 

T2.o6r 

IT. 698 

11-340 

52 

IT. 724 

11-359 

1 1 .000 

53 

T  1.386 

I  T.OI9 

10.659 

54 

T  1 .048 

T  0.679 

10.319 

55 

10.709 

10.339 

9-979 

5^) 

10.370 

TO.OOO 

9.641 

^l 

T  0.032 

9.663 

9.304 

58 

9.695 

9.327 

8.970 

59 

9-36T 

8.994 

8.639 

60 

9.028 

8.663 

8.31T 

61 

8.699 

8.336 

7.988 

62 

8-373 

8.013 

7.668 

^>3 

8.05  T 

7.695 

7-354 

r,4 

7-734 

7-381 

7-045 

^\5 

7.421 

7-073 

6.743 

[x]+9 

X  -J-io 

19.734 

19-533 

19-535 

19-327 

19-329 

19.1 16 

1 9. 11 8 

18.899 

18.902 

18.677 

18.679 

18.447 

18.449 

18.212 

18.214 

17.971 

17-973 

17.724 

17.726 

17.470 

17-472 

17.211 

17.213 

16.945 

16.947 

16.674 

16.676 

16.396 

16.399 

16.113 

16.115 

15-825 

15-827 

15-531 

15-533 

15-231 

15-233 

14.927 

14.929 

14.618 

14.620 

14-304 

14-307 

13.986 

13-989 

13.664 

13.666 

13-338 

13-341 

13-009 

13.012 

12-677 

1 2.680 

12.341 

12.345 

12.005 

12.008 

11.666 

11.669 

ir.326 

11-3.^0 

10.985 

1  o.()89 

1 0.644 

10.648 

10.303 

10.307 

9-963 

9.967 

9.624 

9.628 

9.288 

0.292 

8.953 

8.957 

8.621 

8.625 

8.2C):; 

8.297 

7.068 

7-973 

7.649 

7-653 

7-334 

7-339 

7.024 

7.020 

6.721 

6.726 

6.424 

6.429 

6.134 

284 


3'/2% 


OEM] 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 

WHOLE  LIFE. 


Age. 

0 

I  Year. 

2  Years. 

20 

— 10.67 

0.00 

8.25 

21 

—10.97 

0.00 

8.78 

22 

—11.29 

0.00 

9-33 

22> 

—11.62 

0.00 

9-85 

24 

-11.96 

0.00 

10.42 

25 

—12.32 

0.0 1 

10.99 

26 

— 12.46 

•23 

11.61 

27 

— 12.65 

-46 

12.20 

28 

—12.86 

.67 

12.86 

29 

—13.10 

-85 

13-47 

30 

—13-35 

1.06 

14-15 

31 

-13-58 

1.29 

14-83 

32 

—13.90 

1.45 

15-49 

33 

— 14.21 

1.66 

16.22 

34 

—14-59 

1.86 

16.94 

35 

—14.94 

2.02 

17.64 

36 

—15-36 

2.19 

18.39 

^^ 

—15.81 

2-35 

19.16 

38 

—16.33 

2.51 

19-95 

39 

—16.89 

2.58 

20.69 

40 

—17.46 

2.69 

21.46 

41 

— 18.11 

2.78 

22.27 

42 

—18.81 

2.83 

23-03 

43 

-19-57 

2.85 

23.84 

44 

—20.45 

2.83 

24.58 

45 

—21-33 

2.76 

25-35 

46 

—22.32 

2.69 

26.13 

47 

—23.40 

2-51 

26.89 

48 

— 24.60 

2.32 

27-59 

49 

-25-83 

2.07 

28.30 

50 

—27-19 

1-73 

28.98 

51 

—28.70 

T.36 

29-65 

-52 

—30.34 

.^7 

30.27 

53 

— 32.10 

•30 

30.83 

54 

-33-68 

0.00 

31-37 

55 

—35-02 

0.00 

31-79 

56 

—36.42 

0.00 

32.21 

57 

-37-89 

0.00 

32.50 

58 

-39-43 

0.00 

32.77 

1"^ 

—41.04 

0.00 

32.93 

60 

—42.73 

0.00 

32.99 

61 

—44-50 

0.00 

32.95 

62 

—46.35 

0.00 

32-77 

63 

—48.30 

0.00 

32.46 

64 

—50.33 

0.00 

32.01 

65 

—52.47 

0.00 

31-41 

3  Years.  4  Years.    5  Years. 

17.30  26.29  35-35 

18.12  27.43  36.84 
18.98  28.66  38.39 
19.86  29.89  39.96 

20.80  31-16  41.61 

21.73  '3248  43-31 

22.74  33.88  45.10 

23-73  35-31  46.94 

24.81  36.77  48.80 
25.89  38.28  50.75 
26.98  39.85  52.80 

28.13  41.48  54.90 

29.31  43.11  57.00 
30.52  44.85  59.26 
31.77  46.63  61.53 
33.04  48.43  63.88 
34-35  50.34  66.32 
35.70  52.26  68.83 
37.12  54.26  71.44 
38.50  56.27  74.07 

39.94  58.35  76.77 

41.44  60.51  79.59 

42.92  62.68  82.47 

44.46  64.96  85.40 
45.97  67.22  88.41 
47-53  69.56  91.45 
49-13  71-95  94-60 
50.73  74-39  97-8i 
52.37  76.81  101.06 

53-98  79-34  104.39 

55.61  8T.86  107.78 

57.26  84.45  1 11-23 

58.89  87.04  1 14.72 
60.49  89.65  118.24 
62.16  92.30  121.83 
63-73  94-91  125.40 

65.30  97.56  129.06 
66.81  100.19  132.68 

68.31  102.82  136.35 

69.75  105.44  140.04 

71.14  108.03  143.69 

72.47  110.59  147.33 
73.68  113-07  150.96 

74.90  115.56  154-55 
75.94  117.94  158.08 
76.90  120.23  161.56 


285 


3'/2% 


QLM] 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 

WHOLE  LIFE. 


Age. 

6  Years. 

7  Years. 

8  Years. 

9  Years. 

10  Years. 

20 

44.48 

53-72 

63.02 

72-40 

81.84 

21 

46.30 

55-85 

65-50 

75.20 

85.00 

22 

48.19 

58.09 

69.08 

78.15 

88.33 

23 

50-14 

60.41 

70.73 

81.18 

91.70 

24 

52-13 

62.78 

73-49 

84.31 

^If 

25 

54-24 

65.24 

76.32 

87-53 

98.84 

26 

56.42 

67.82 

7930 

90.90 

102.61 

27 

58.65 

70.46 

82.36 

94-39 

106.49 

28 

60.95 

73-19 

85-53 

97-95 

110.47 

2Q 

63-34 

76.03 

88.81 

101.66 

114.62 

30 

65.82 

78.94 

92.16 

105.48 

118.89 

31 

68.38 

81.96 

95-66 

109.43 

123.26 

32 

70.99 

85-07 

99.24 

113.46 

127.77 

33 

73-72 

88.28 

102.92 

117.67 

132-44 

34 

76.56 

91.61 

106.76 

12T.99 

137-24 

35 

79.42 

95.02 

110.70 

126.41 

142.17 

36 

82.39 

98.53 

T  14.72 

1 30.96 

147-23 

37 

85-47 

T02.18 

118.89 

.  135-65 

152-44 

38 

88.66 

105.91 

123.20 

140.51 

157.81 

39 

91.89 

109.71 

127-57 

145-43 

163.26 

40 

95-21 

113.66 

132.08 

150.49 

168.89 

41 

98.66 

117.71 

136.74 

155-71 

174-65 

42 

102.16 

121.85 

141.48 

161.04 

180.52 

43 

105-79 

T26.10 

146.37 

166.51 

186.55 

44 

109.47 

1 30.46 

15^-35 

172. TO 

192.67 

45 

113-23 

134-89 

156.41 

177.76 

198.93 

46 

117. 12 

T  39-44 

161.62 

183.59 

205.32 

47 

121.06 

144.11 

166.93 

189.51 

211.85 

48 

T  25.08 

148.86 

i72..^4 

195-57 

218.46 

49 

129.18 

153-67 

^77 -^S 

201.69 

225.18 

50 

133-36 

158.60 

183.47 

207.94 

231-98 

51 

137.62 

163.61 

189.17 

214.28 

238.92 

.^2 

141.94 

168.70 

194.96 

220.73 

■  245-93 

53 

146.31 

T  73-83 

200.81 

227.21 

252.98 

54 

T  50.76 

179.08 

206.77 

233.82 

260.  T  6 

55 

^55-25 

184.38 

212.79  . 

240.44 

267.34 

56 

1.59-77 

189.71 

218.84 

247-13 

274.60 

57 

164.32 

195-07 

224.91 

253-88 

281.86 

58 

168.91 

200.48 

231.08 

260.63 

289.16 

59 

173-52 

205.93 

237.22 

267.4^ 

296.46 

60 

178.15 

2II.4I 

243-43 

274-21 

303.76 

61 

182.76 

216.84 

249.60 

281.00 

311-03 

62 

187.36 

222.29 

255-75 

287.74 

318.26 

63 

191-93 

227.73 

261.91 

294.48 

325-43 

64 

196.47 

233.12 

267.98 

301.14 

332.52 

65 

200.96 

238.45 

27403 

307-74 

339.53 

286 


%%% 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 

WHOLE  LIFE. 


Age. 

II  Years. 

12  Years. 

13  Years. 

14  Years. 

15  Years. 

20 

91-47 

T01.41 

111.60 

122.07 

132.86 

21 

95.02 

105.27 

115.82 

126.69 

137.82 

22 

98.66 

109.28 

120.23 

131-44 

142.94 

23 

102.41 

"3-44 

124.73 

136.33 

148.20 

24 

106.32" 

117.71 

129.40 

141.36 

153-67 

25 

1 10.33 

122.11 

134.18 

146.59 

159.26 

26 

114.50 

126.67 

139.18 

151-97 

165-03 

27 

118.77 

131.40 

144-30 

157.48 

170.99 

28 

123.22 

136-25 

149-55 

163.18 

177.09 

29 

127.77 

14T.20 

154-97 

169.02 

183-36 

30 

132.46 

146.37 

160.56 

175-05 

189.84 

31 

137-32 

151.66 

166.30 

181.25 

196.46 

32 

142.27 

157.07 

172.19 

187.56 

203.22 

33 

147-41 

162.70 

178.25 

194.08 

210.19 

34 

152.71 

168.45 

184.47 

200.77 

217-33 

35 

158.10 

174-32 

190.83 

207.59 

224.61 

36 

163.67 

180.38 

197.36 

214.60 

232.06 

37 

169.38 

186.59 

204.06 

221.75 

239.67 

38 

175-25 

192.97 

210.90 

229.08 

247.48 

39 

181.23 

199-43 

217.87 

236-53 

255-35 

40 

187.36 

206.07 

225.02 

244.12 

263.44 

41 

193.66 

212.90 

232.30 

251.92 

271.67 

42 

200.07 

219.79 

239-73 

259.80 

280.02 

43 

206.60 

226.87 

247.29 

267.85 

288.51 

44 

213.30 

234.07 

254-99 

276.01 

297.11 

45 

220.08 

241-39 

262.79 

284.27 

305-79 

46 

227.03 

248.84 

270.73 

292.66 

314.62 

47 

234.09 

256.40 

278.76 

301.16 

323-54 

48 

241.23 

264.05 

286.90 

309-74 

ll^S^ 

49 

248.48 

271.82 

295- H 

318.40 

341-58 

50 

255-83 

279.67 

30344 

Z^I-'^T^ 

350.69 

51 

263.30 

287.61 

311.84 

335-94 

359-87 

52 

270.81 

295-62 

320.28 

344.78 

369.06 

53 

278.39 

303.66 

328.76 

353-63 

378.26 

54 

286.06 

311-79 

337-30 

362.54 

2^^7Ay 

55 

293-75 

319.92 

345-83 

371.41 

396.64 

56 

301.48 

328.09 

354-36 

380.27 

405-79 

57 

309.22 

336.23 

362.87 

389.10 

414-87 

58 

316.95 

344-37 

371-36 

397-88 

423-87 

324.69 

352.50 

379.82 

406.58 

432.80 

60 

332.43 

360.59 

388.19 

415.21 

441.62 

61 

340.10 

368.58 

396.47 

42372 

450.29 

62 

347-68 

376.49 

404-65 

432.10 

458.81 

63 

355-22 

384-34 

412.73 

440.35 

467.16 

64 

362.66 

302.05 

420.64 

448.39 

47530 

65 

369-99 

399-61 

428.38 

456.26 

A^},-21 

28; 


y/2% 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 

WHOLE  LIFE. 


Oti^] 


Age. 

16  Years. 

17  Years. 

18  Years.. 

19  Years. 

20 

143-91 

155-25 

166.86 

178.80 

21 

149-23 

160.93 

172.95 

185.24 

22 

154-72 

166.84 

179.21 

191.85 

23 

160.40 

172.88 

185.61 

198.67 

24 

166.24 

179.08 

192.24 

205.67 

25 

172.21 

185.48 

199.02 

212.85 

26 

178.42 

192.08 

206.02 

220.26 

27 

184.77 

198.84 

213.21 

227.82 

28 

191.30 

205.80 

220.55 

235-57 

29 

198.01 

212.90 

228.07 

243-50 

30 

204.88 

220.21 

235-79 

251.62 

31 

211.94 

227.69 

243-69 

259-93 

32 

219.15 

235-32 

251-74 

268.37 

33 

226.55 

243-17 

259-99 

277-03 

34 

234-14 

251.16 

268.41 

285.87 

35 

241.84 

259-30 

276.98 

294.80 

36 

249.74 

267.65 

285.70 

303-95 

37 

257.82 

276.11 

294.61 

313-23 

38 

266.03 

284.78 

303-66 

322.69 

39 

274-38 

293-54 

312.84 

332-23 

40 

282.88 

302.47 

322.16 

341.90 

41 

291.56 

311-55 

331-61 

351-71 

42 

300-34 

320.72 

341-14 

361.60 

43 

309.24 

330.01 

350.81 

371.61 

44 

318.24 

339-41 

360.57 

381.67 

45 

327-35 

348.90 

370.38 

391-79 

46 

336.58 

358.47 

380.29 

401.99 

47 

345-86 

368.11 

390.24 

412.21 

48 

355-22 

377-80 

400.22 

422.45 

49 

364.64 

387-54 

410.23 

432.70 

50 

374-09 

397.29 

420.25 

442.92 

51 

383-59 

407.07 

430.26 

453-12 

52 

393-10 

416.82 

440.23 

463.28 

53 

402.57 

426.54 

450.16 

473-35 

54 

412.05 

436.26 

460.04 

483.35 

55 

421.48 

445-88 

469.80 

493.22 

56 

430.86 

455-42 

479.48 

502.98 

57 

440.13 

464.86 

489.02 

512.58 

58 

449-32 

474-19 

498.43 

522.02 

59 

458.41 

483-38 

507.68 

531-26 

60 

467.36 

492.41 

516.73 

540.30 

61 

476.15 

501.24 

525-57 

549-10 

62 

484.74 

509-87 

534-18 

557-64 

^3 

493-15 

518.29 

542.54 

565.91 

64 

SOI. 32 

526.43 

550.62 

573-87 

65 

50925 

534.32 

558.41 

581.51 

20  Years. 

191.00 
197.79 
204.81 
•211.99 
219.38 
226.96 

234.74 
242.70 
250.85 

259-17 
267.70 
276.38 
285.22 
294.28 

303-47 
312.82 

322.33 
331-99 
341.80 
351-68 
361.69 

371-84 
382.05 

392.34 
402.70 

413-09 
423-54 
434.00 

444-45 
454-88 
465.28 
47564 
485-59 
496.08 
506. 1 7 
516.11 
525-90 
535-51 
544-92 
554-13 
563-10 
571-81 
580.23 

588.37 
596.17 
603.63 


288 


3'/2% 


OCM] 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 
TWENTY  PAYMENT  LIFE. 


Age. 

0. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

—11-34 

6.6: 

2352 

40.48 

57-76 

75-46 

21 

—11-43 

6.88 

24.14 

41.49 

59.16 

77.24 

2.2 

—11.56 

7.15 

24.79 

42.52 

60.57 

79-07 

^l 

—11.68 

7-38 

25-44 

43-57 

62.03 

80.94 

24 

-11.85 

7.66 

26.11 

44-65 

63-53 

82.86 

25 

—11.98 

7.92 

26.78 

45-75 

65.06 

84.82 

26 

— 12.12 

8.18 

27.48 

46.87 

66.63 

86.84 

27 

—12.31 

8.45 

28.18 

48.01 

68.22 

88.88 

28 

— 12. so 

8.70 

28.90 

49.18 

69.86 

90-99 

29 

-12.73 

8-93 

29.60 

50.37 

71-51 

93-11 

30 

—12.98 

9.17 

30-33 

51.57 

73-21 

95-30 

31 

—13.20 

9.41 

31.06 

52.80 

74-93 

97-53 

32 

—13.50 

9-63 

31-78 

54.04 

76-67 

99-79 

33 

—13.81 

9-84 

32-51 

55-28 

78-44 

102.07 

34 

—14.17 

10.06 

33-24 

56.56 

80.25 

104.41 

35 

—14-51 

10.24 

3398 

57-82 

82.06 

106.77 

36 

—14.91 

10.39 

34-70 

59.10 

83.90 

109.14 

2.7 

-15-36 

10.53 

35-42 

60.41 

85-75 

111.56 

38 

-15-87 

10.63 

36.11 

61.69 

87.62 

113-99 

39 

—16.39 

10.77 

36.82 

62.99 

89.50 

116.44 

40 

—16.95 

10.82 

37-53 

64.29 

91-39 

118.92 

41 

—17-59 

10.82 

38.16 

65.55 

93-28 

121.39 

42 

—18.25 

10.83 

38-83 

66.85 

95.16 

123.90 

43 

— 19.00 

10.75 

39-42 

68.09 

97.06 

126.36 

44 

-19-87 

10.66 

40.01 

69.32 

98.90 

128.83 

45 

— 20.72 

10.51 

40.57 

70.57 

100.81 

131.32 

46 

—21.70 

10.28 

41.06 

71.76 

102.63 

133.80 

47 

—22.76 

10.01 

41-51 

72.92 

104.48 

136.27 

48 

—23.91 

9.69 

41-95 

74.06 

106.28 

138.68 

49 

—25-13 

9-24 

42.30 

75.16 

108.05 

141.10 

50 

—26.47 

8-75 

42.62 

76.20 

109.79 

143-48 

51 

—27-97 

8.14 

42.85 

77.21 

111.51 

14583 

52 

—29-59 

7-38 

42.99 

78.15 

113-15 

148.14 

53 

—31-34 

6.69 

43.08 

7903 

114-77 

150.41 

54 

—33-22 

5.80 

43-09 

79.85 

116.34 

1 52.63 

55 

—35-29 

4.68 

43-03 

80.61 

117.84 

154.78 

56 

—37-49 

3-64 

42.85 

81.32 

119.31 

156.94 

57 

-39-89 

2-35 

42.59 

81.93 

120.71 

159.01 

58 

—42.49 

-93 

42.22 

82.50 

122.06 

161.05 

59 

—44.70 

0.00 

41.73 

82.96 

123-35 

163.02 

60 

—46.09 

0.00 

41.13 

83-34 

124.59 

164.98 

289 


3'/2% 


Qim 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 

TWENTY  PAYMENT  LIFE. 


Age. 

6  Years. 

7  Years. 

8  Years. 

9  Years. 

10  Years. 

20 

93-59 

112.19 

131.27 

150.89 

171.04 

21 

95-76 

114.78 

134-30 

154-33 

174.91 

22 

98.01 

117-43 

^37-37 

157-85 

178.88 

23 

100.30 

120.14 

140.52 

161.45 

182.94 

24 

102.65 

122.94 

143-76 

165.14 

187.09 

25 

105.05 

125.80 

147.08 

168.93 

191-35 

26 

107.52 

128.73 

150.47 

172.78 

195-69 

27 

110.04 

131.71 

153-93 

176.73 

200.13 

28 

1 12.61 

134-76 

157.47 

180.75 

204.65 

29 

115.24 

137-87 

161.06 

184.85 

209.26 

30 

117.92 

141.04 

164-75 

189.03 

213-94 

31 

120.63 

144.27 

168.47 

193.28 

218.72 

32 

123.40 

147-55 

172.28 

197.60 

223-55 

33 

126.20 

150.87 

176.12 

201.97 

228.46 

34 

129.07 

154-28 

180.05 

206.42 

233-44 

35 

131.96 

157-70 

184.01 

210.92 

238.48 

36 

134-89 

161.18 

188.02 

215-47 

243-57 

37 

137.86 

164.69 

192.07 

220.06 

248.68 

38 

140.83 

168.22 

196.16 

224.69 

253-86 

39 

143.86 

171.79 

200.27 

229.35 

259-05 

40 

146.90 

175-40 

204.44 

234-03 

264.27 

41 

149.94 

179.01 

208.58 

238.74 

269.49 

42 

15303 

182.64 

212.77 

243-45 

274-74 

43 

156.10 

186.28 

216.96 

248.16 

279.96 

44 

159.16 

189.92 

221.10 

252.85 

285.17 

45 

162.24 

193-53 

225.29 

257-54 

290.33 

46 

^65.30 

197.17 

229.43 

262.19 

295.46 

47 

168.35 

200.75 

233-55 

266.80 

300.56 

48 

171-37 

204.34 

237-65 

271.37 

305.57 

49 

174-37 

207.88 

241.69 

275-90 

310.52 

50 

177.32 

211.38 

245-69 

280.34 

315-39 

51 

180.25 

214.85 

249.63 

284.70 

320.14 

52 

183-15 

218.26 

253-52 

289.02 

32479 

53 

186.01 

221.63 

257-32 

293.22 

329.37 

54 

188.80 

224.93 

261.07 

297-33 

33378 

55 

191-55 

228.16 

264.74 

301.33 

338.08 

56 

194.27 

231-37 

268.34 

305.25 

342.25 

57 

196.91 

23452 

271.87 

309.08 

346.29 

58 

199-51 

237-59 

275-30 

312.81 

350.17 

202.10 

240.59 

278.65 

316.40 

353-91 

60 

204.61 

243-56 

281.96 

319.92 

357-54 

290 


3'/2% 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 
TWENTY  PAYMENT  LIFE. 


OEM] 


Age.  II  Years.  12  Years.  13  Years.   14  Years.  15  Years. 

20  iyi.S(.  213.45  -^35-84  259.07  283.18 

21  196.18  218.23  241.09  264.81  289.41 

22  200.60  223.12  246.47  270.68  295.78 
21  205.12  228.12  251.96  276.68  302.30 

24  209.76  233.24  257.58  282.81  308.97 

25  214.49  238.47  263.32  289.08  315.76 

26  219.33  243.82  269.18  295.46  322.71 

27  224.26  249.26  275.15  301.98  329-76 

28  229.30  254.80  281.24  308.60  336.95 

29  234.41  260.46  287.41  315.33  34425 

30  239.63  266.19  293.70  322.18  351-67 

31  244.91  272.03  300.09  329.13  359-20 

32  250.29  277.94  306.56  336.17  366.81 

33  255.74  283.93  313-11  343-27  374-52 

34  261.25  290.00  319-72  350.48  382.30 

35  266.83  296.12  326.41  357-73  390.15 

36  272.45  302.30  333.14  365-04  398.05 
yj  278.12  308.51  339.92  372.39  406.00 

38  283.82  314.76  346.73  379.78  413.97 

39  289.55  321.04  353.57  387-17  421.97 

40  295.31  327.34  360.40  394.59  429.95 

41  301.07  333-62  36725  401.96  437.90 

42  306.82  339.9^  374.05  409.32  44585 

43  312.56  346.14  380.80  416.64  453.71 

44  318.25  352.34  387.54  423-88  461.50 

45  323.90  358.51  394-18  431-05  469-22 

46  329.52  364.58  400.74  438.11  476.80 

47  335.06  370.58  407.22  445.05  48424 

48  340.51  376.48  413.54  451.84  49T.58 

49  345.88  382.25  419-73  458.52  498.68 

50  351.13  38789  425-81  464.96  50560 

51  356.25  393.41  431-67  471-22  512.28 

52  361.29  398.74  437.34  477-26  518.73 

r^  366.M  403.90  442.80  483.06  52488 

54  370.83  408.86  448.05  488.58  530.76 

55  375-37  4i3-64  453-05  493-83  536.31 

56  379.75  418.20  457.80  498.80  54T.54 

57  383.94  422.54  462.28  503.45  546.44 

58  387.96  426.65  466.49  507.80  55093 
i^Q  391.78  430.54  470.45  511-79  555-03 
60  395-45  434-22  474- 10  515-43  558-77 


291 


y/2% 


0[M] 


Age. 

16  Years. 

20 

308.18 

21 

314-92 

22 

321-83  • 

23 

328.88 

24 

336.08 

25 

343-44 

26 

350-93 

27 

358.56 

28 

3^»6.33 

29 

374-22 

30 

3^2.2^ 

31 

390.34 

32 

398.57 

33 

406.87 

34 

415-27 

35 

423.73 

36 

432-25 

37 

440.80 

38 

449.40 

39 

457-99 

40 

466.58 

41 

475-16 

42 

483.69 

43 

492.16 

44 

500.55 

45 

508.83 

46 

516.97 

47 

525-02 

48 

532.85 

49 

540.50 

50 

547-92 

51 

555-11 

52 

562.01 

53 

568.62 

54 

574-91 

55 

580.87 

56 

586.48 

57 

59^-67 

58 

596.44 

59 

600.80 

60 

604.69 

SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 
TWENTY  PAYMENT  LIFE. 


17  Years. 

18  Years.. 

19  Years. 

20  Years. 

334-12 

361.05 

388.99 

418.00 

341-40 

368.87 

397-38 

426.99 

348.84 

376.86 

405-97 

436.16 

356.44 

385-05 

414.72 

445-54 

364-22 

393-39 

423-67 

455-11 

372-13 

401.90 

432.79 

464.87 

380.21 

410.58 

442.09 

474.82 

388.43 

419.41 

451-56 

484.93 

396.79 

428.39 

461.17 

495-23 

405.29 

437-50 

470-95 

505.68 

413.90 

446.76 

480.86 

516.29 

422.64 

456.13 

490.91 

527-05 

431-48 

465-63 

50 1 .08 

537-95 

440.42 

475-22 

511-38 

548.96 

449-45 

484.92 

521.76 

560.11 

458.55 

494-68 

532-25 

571-33 

467.70 

504-53 

542-79 

582.64 

476.92 

514-39 

553-38 

594-05 

486.14 

524.30 

564-05 

605.49 

495-37 

534-25 

574-72 

616.99 

504-63 

544.17 

585-41 

628.52 

513-83 

554-09 

596.10 

640.04 

523-01 

563.97 

606.74 

651-55 

532-13 

573.78 

617.32 

663.09 

541.14 

583-49 

627.90 

674-53 

550-05 

593.16 

638.32 

685.93 

558.88 

602.65 

648.66 

697.24 

567-50 

612.01 

658.85 

708.47 

575-96 

621.18 

668.91 

719.56 

584.21 

630.17 

678.76 

730-53 

592.25 

638.92 

688.42 

741.34 

600.01 

647.42 

697.85 

751-99 

607.50 

655-64 

707-04 

762.48 

614.67 

663.56 

715-98 

772.73 

621.52 

671.18 

724-58 

782.76 

628.03 

678.40 

732.86 

792.59 

634.12 

685.23 

740.83 

802.14 

639.79 

691.69 

748.40 

811.43 

645.06 

697.67 

755-56 

820.48 

649.82 

703.18 

762.34 

829.22 

654.10 

708.23 

768.65 

837.70 

292 


3'/2% 


QIMJ 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 
FIFTEEN  PAYMENT  LIFE. 


Age. 

0 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

—11.15 

11-33 

32.97 

54-84 

77-24 

100.27 

21 

—11.23 

11.68 

33-75 

56.09 

78.98 

102.48 

22 

—11.36 

12.04 

34-57 

57-39 

80.74 

104.76 

23 

—11.47 

12.37 

35-39 

58.70 

82.56 

107.09 

24 

— 11.64 

12.73 

36.23 

60.04 

84-43 

109.48 

25 

—11.76 

13.09 

37.10 

61.43 

86.35 

111.94 

26 

—11.89 

13-45 

37-99 

62.85 

88.30 

114.44 

27 

—12.08 

13.80 

38.88 

64.28 

90.29 

117.00 

28 

—12.25 

14.16 

39.80 

65.76 

92-35 

119.64 

29 

—12.48 

14.50 

40.71 

67.25 

94.42 

122.31 

30 

—12.71 

14-85 

41.64 

68.77 

96.54 

125.04 

31 

—12.93 

15.21 

42.59 

70.32 

98.71 

127.83 

32 

—13.21 

15-53 

43-54 

71.89 

100.89 

130.66 

33 

—13-52 

15-85 

44.48 

73-48 

103.12 

133-53 

34 

-13.86 

16.18 

45-45 

75-09 

105.38 

136.46 

^1 

—14.19 

16.48 

46.42 

76.71 

107.68 

139-42 

36 

—14-55 

16.77 

47-37 

78.34 

109.99 

142.41 

^J 

-14.98 

17.04 

48.34 

80.01 

112.33 

145-47 

38 

-15-47 

17.28 

49.29 

81.66 

114.70 

148.52 

39 

-15.98 

17-54 

50.21 

83-30 

117.06 

151-59 

40 

—16.53 

17.69 

51-14 

84-95 

119.44 

154-70 

41 

—17.14 

17.84 

52.03 

86.58 

121.80 

157.81 

42 

—17.76 

17:98 

52.94 

88.24 

124.19 

160.94 

43 

—18.48 

18.05 

53-78 

89-85 

126.55 

164.03 

44 

—19.32 

18.07 

54.60 

91-43 

128.91 

167.13 

45 

—20.12 

18.07 

55-39 

93-02 

131.27 

170.20 

46 

— 21.06 

17-95 

56.11 

94-54 

133-54 

173-25 

47 

—22.08 

17.82 

56.80 

96.03 

135-80 

176.30 

48 

—23.20 

17.60 

57-42 

97-47 

138.02 

179.26 

49 

—24-38 

17.27 

57-99 

98.84 

140.18 

182.17 

50 

-25.66 

16.91 

58.48 

100.16 

142.30 

185.03 

51 

—27.09 

16.41 

58.88 

101.40 

144-32 

187.82 

52 

—28.64 

15-85 

59-19 

102.56 

146.26 

190.51 

53 

—30-34 

15.11 

59-41 

103.61 

148.11 

193.10 

54 

—32.14 

14-33 

59-51 

104.56 

149-87 

195-57 

55 

—3412 

13-38 

59-52 

105-43 

151-50 

197.92 

56 

—36.25 

12.30 

59-38 

106.17 

153-02 

200.15 

57 

-38.58 

11.06 

59.10 

106.76 

154.40 

202.22 

58 

—41.12 

9.64 

58.70 

107.22 

155-63 

204.13 

59 

—43-87 

8.07 

58.12 

107.54 

156.71 

205.89 

60 

—46.80 

6.28 

57-37 

107.66 

157.60 

207.45 

3'/2« 


10 


Oim 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 
FIFTEEN  PAYMENT  LIFE. 


293 


Age. 
20 

21 
22 
23 
24 
25 
26 
27 
28 
29 
30 
31 
32 
33 
34 
35 
36 
37 
38 

39 
40 

41 
42 

43 
44 
45 
46 

47 
48 

49 
50 
51 
52 
53 
54 
55 
56 
57 
58 
59 
60 


6  Years. 

123-97 
126.67 
129.47 
132.32 

135-25 
138.25 

141-33 

144.48 

147.70 

150.99 

154-35 

157-75 

161.24 

164.76 

168.34 

172.00  . 

175.68 

179.40 

183.18 

186.97 

190.80 

194.62 

198.50 

202.35 

206.18 

210.01 

213.80 

217.56 

221.27 

224.92 

228.49 

231.98 

23.5-39 

238.67 

241.83 

244.86 

247-73 
250.42 

252.94 
255-32 
257-42 


7  Years. 

148.37 
151-59 
154.90 
158.29 
161.78 
165-36 
169.01 
172.75 
176.59 
180.49 
184.47 
188.54 
192.65 
196.85 
201.14 
205.46 
209.86 
214.30 
218.77 
223.28 
227.82 
232.39 
236.99 

241-57 
246.15 
250.71 

255.25 
259.72 
264.16 
268.52 
272.82 
277.01 
281.09 
285.03 
288.84 
292.48 
295.96 
299.26 
302.32 

305-17 
307.78 


8  Years. 

9  Years. 

10  Years. 

173-52 

199.46 

226.24 

177-28 

203.75 

231.09 

181. 12 

208.16 

236.07 

185.07 

212.68 

241.17 

189.12 

217.32 

2^(1.41 

193.29 

222.09 

251.78 

197.54 

226.94 

^S7-^7 

201.89 

231.90 

262.88 

206.34 

236.99 

268.62 

210.85 

242.16 

274-47 

215-51 

247-46 

280.43 

220.22 

252.87 

286.53 

225.02 

258.34 

292.70 

229.89 

263.92 

299.00 

234-85 

269.58 

305-38 

239.89 

275-33 

311.86 

244.98 

281.14 

318.42 

250.14 

287.02 

325-04 

255-34 

292.96 

331-74 

260.58 

298.95 

338.48 

265-87 

304-97 

345-27 

271.16 

311-03 

352.09 

276.49 

317.11 

358.94 

281.81 

323-18 

365.78 

287.12 

329-25 

372.62 

292.44 

335-30 

379.42 

297.69 

341-29 

386.17 

302.91 

347-25 

392.90 

308.06 

353-13 

399-51 

313-14 

358-93 

406.03 

318.12 

364.61 

412.46 

323.00 

370.15 

418.71 

2>^7-l':> 

375-58 

424.80 

332.33 

380.82 

430.75 

336.77 

385-89 

436.45 

341.03 

390.72 

441.92 

345-08 

395-35 

447.14 

348.91 

399-73 

452-07 

352-50 

403.84 

456.68 

355-83 

407.63 

460.99 

358.88 

411. 10 

464.91 

294 


3'/2% 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 
FIFTEEN  PAYMENT  LIFE. 


Of^J 


Age.  II  Years.  12  Years.  13  Years.  14  Years.  15  Years. 

20  253.96  282.77  312.71  343.83  376.18 

21  259.39  288.80  319.36  351.12  384.13 

22  264.97  294.98  326.18  358.59  392.29 

23  270.68  301.33  333.17  366.26  400.66 

24  276.54  307.83  340.33  374.12  409.23 

25  282.54  31448  347-67  382.16  418.00 

26  288.67  321.29  35518  390.38  426.99 

27  294.95  328.25  362.84  398.80  436.16 

28  301.37  335.36  370.69  407.38  445.54 

29  307-89  342.62  378.67  416.15  455.11 

30  314-58  350.01  386.82  425.08  464.87 

31  321.37  357-55  395.13  434.19  474.82 

32  328.27  365.21  403.57  443-46  484.93 

33  335-30  373-00  412.16  452-86  495.23 

34  342.44  380.91  420.87  462.44  505.68 

35  349-67  388.91  429-71  472-13  516.29 

36  356.98  397.04  438.66  481.96  527.05 

Z7  364-39  40524  447-71  491-90  537-95 

38  371.86  413.53  456.85  501.96  548.96 

39  379-39  421.89  466.08  512.09  560.11 

40  386.97  430.30  475.37  522.34  571.33 

41  394.59  438.75  484.72  532.62  582.64 

42  402.23  447-24  494-09  542.95  59405 

43  409.88  455.72  503.47  553.34  605.49 

44  417.51  464.20  512.89  563.72  616.99 

45  425-11  472-67  522.26  574.13  628.52 

46  432.68  481.08  531-61  584.51  640.04 

47  440.17  489.44  540.91  594.84  651.55 

48  447.58  497.71  550.11  605.10  663.09 

49  454.89  505.86  559.21  615.34  674.53 

50  462.07  513.88  568.24  625.42  685.93 

51  469.08  521.79  577.07  635.40  697.24 

52  475-97  529-47  585-75  645.21  708.47 

53  482.61  536.96  594.21  654.88  719.56 

54  489.03  544-21  602.46  664.32  730.53 

55  495-20  551-21  610.44  673.55  741.34 

56  501.10  557.90  618.15  682.53  751-99 

57  506.67  564.28  625.53  691.25  762.48 

58  511.90  570.30  632.59  699.69  772.73 

59  516.79  575-95  639.29  yo-j.-j-j  782.76 

60  521.27  581.21  645.55  71549  792.59 


295 


3'/2% 


SELECT   AND    ULTIMATE. 
TERMINAL  RESERVES. 
TEN  PAYMENT  LIFE. 
QLM} 


Age. 

0. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

10.87 

21.01 

52.33 

84.28 

II 7. 19 

151-18 

21 

10.84 

21.54 

53-46 

8f).o8 

119.66 

154-31 

22 

10.95 

22.08 

54-64 

87.92 

122.16 

157-54 

-23 

1 1 .05 

22.59 

55-84 

89.80 

124.76 

160.8s 

24 

1 1.20 

23.16 

57-07 

91-73 

127.42 

164.26 

25 

11.31 

23-71 

58.33 

93-72 

130.13 

167-75 

26 

n-43 

24.28 

59-64 

95-74 

132.94 

171-33 

27 

11-59 

24-85 

60.95. 

97-83 

135-80 

175.01 

28 

11-75 

25-43 

62.30 

99.96 

138.75 

178.78 

29 

11-95 

26.01 

63.66 

102.13 

141.75 

182.63 

30 

12.16 

26.59 

65.06 

104.36 

144-83 

186.57 

31 

12.35 

27.20 

66.48 

106.62 

147-97 

190.60 

32 

12.61 

27.78 

67.92 

T  08.93 

151-15 

194.72 

33 

12.89 

28.35 

69-37 

I  I  1.28 

154-41 

198.90 

34 

13.20 

28.96 

70.85 

113.67 

157-72 

203.18 

^^. 

13-49 

29-54 

72.35 

IT  6.09 

161. II 

207.53 

36 

13-84 

30.11 

73-85 

"8.53 

T  64-53 

211.94 

^? 

14.22 

30.65 

75-35 

121.03 

167.98 

216.43 

38 

14.66 

31.18 

76.87 

123.52 

171.50 

220.98 

39 

15.12 

31-75 

78.37 

126.05 

175-07 

225-57 

40 

15.60 

32.25 

79.91 

128.60 

178.66 

230.24 

41 

16.15 

32.71 

81.42 

131.15 

182.26 

234.93 

42 

16.73 

33-16 

82.95 

133-72 

185.90 

239.66 

43 

17.36 

33-58 

84.40 

136.27 

189-55 

244.41 

44 

18.T2 

33-96 

8  s. 88 

138.81 

193.18 

249.17 

45 

18.86 

34-29 

8>.29 

141.36 

196.85 

253-96 

46 

19.69 

34-. S9 

88.70 

143-86 

200.47 

258.72 

47 

20.61 

34-82 

90.05 

146.35 

204.08 

263.50 

48 

21.62 

34-98 

91.36 

148.78 

207.66 

268.22 

49 

22.66 

35-06 

92.60 

i5'-i7 

211.18 

272.91  • 

50 

23.82 

35-07 

93-77 

153-49 

214.65 

277-53 

51 

25.10 

35-01 

<H.88 

T  55-74 

218.05 

282.10 

.S2 

26.50 

34-82 

95-86 

157-89 

221.35 

286.56 

53 

28.02 

34-55 

96.77 

159-95 

224.55 

290.94 

54 

29.64 

34- T  4 

97-56 

161.88 

227.65 

295.17 

55 

31-41 

3363 

98.24 

163.72 

230.59 

299.25 

5'^> 

33-32 

32.97 

98.77 

165.40 

233-41 

303.2  T 

57 

35-40 

32.  T  5 

99-13 

166.89 

236.03 

306.94 

58 

37.66 

31.16 

99.36 

168.24 

238.46 

310.47 

59 

40.15 

30.00 

99-36 

1 6f}.  38 

240.66 

31^.76 

60 

42.76 

28.66 

90.2  T 

170.31 

242.67 

316.84 

61 

45-63 

27. TO 

98.82 

171.02 

244-41 

319.60 

62 

48.71 

25-3  T 

98.2  T 

171.48 

245.89 

322.08 

63 

52.  IT 

23-25 

97-30 

171.65 

247.02 

324.20 

64 

55-72 

20.97 

96.17 

17^-53 

247.86 

325-93 
3273^ 

65 

59-63 

18.^6 

94-75 

171.08 

248.33 

296 


3'/2% 


OCM] 


SELECT   AND   ULTIMATE. 

TERMINAL  RESERVES. 

TEN  PAYMENT  LIFE. 


Age. 

6  Years. 

7  Years. 

8  Years. 

9  Years. 

10  Years. 

20 

186.29 

222.61 

260.19 

299.13 

339-49 

21 

190.13 

227.18 

265.54 

305-25 

346.42 

22 

194.09 

231.88 

271.01 

311-54 

353-55 

23 

198.14 

236.72 

276.65 

318.01 

360.89 

24 

202.32 

241.68 

282.44 

324.66 

368.43 

25 

206.60 

246.80 

288.40 

331-50 

376.18 

26 

211.01 

252.03 

294-51 

338.51 

384-13 

27 

215-52 

257.41 

300.77 

345-70 

392.29 

28 

220.14 

262.92 

307'.2i 

353-08 

400.66 

29 

224.87 

268.56 

zn-77 

360.63 

409.23 

30 

229.72 

274.33 

320.51 

368.37 

418.00 

31 

234.66 

280.23 

327-39 

376.28 

426.99 

32 

239-72 

286.25 

334-44 

384-36 

436.16 

33 

244.87 

292.39 

341.61 

392.60 

445-54 

34 

250.12 

298.67 

348.93 

401.03 

455-11 

35 

255-47 

305.06 

356.39 

409.61 

464.87 

36 

260.91 

311-56 

363.99 

418.36 

474.82 

Z7 

266.43 

318.16 

371-71 

427.24 

48493 

38 

272.04 

324.86 

379-55 

436.27 

495-23 

39 

277.73 

33^-65 

387-50 

445-45 

505.68 

40 

283-47 

338-53 

395-57 

454-75 

516.29 

41 

289.27 

345-48 

403.71 

464.17 

527-05 

42 

295-15 

352.51 

411.96 

473-69 

537-95 

43 

301.04 

359.58 

420.27 

483-31 

548.96 

44 

306.94 

366.70 

428.63 

493-02 

560.11 

45 

312.90 

373-86 

437-07 

502.79 

571.33 

46 

318-85 

381.03 

445-52 

512.62 

582.64 

47 

324.78 

388.19 

454.00 

522.50 

594-05 

48 

330.70 

39536 

462.47 

532.39 

605.49 

49 

33^^-59 

402.49 

470.94 

542.31 

6 1 6.99 

50 

342.40 

409-57 

479.35 

552.19 

628.52 

51 

348.16 

416.60 

487.74 

562.04 

640.04 

52 

353-83 

^2},.$}, 

496.04 

571-86 

651-55 

53 

359-41 

430.36 

504.24 

581.61 

663.09 

54 

3^^4-83 

437-06 

5  •  2.33 

591-25 

674-53 

55 

370.11 

443-59 

520.27 

600.77 

685.93 

56 

375.23 

449-97 

528.05 

610.18 

69724 

57 

380.12 

45'''. '  5 

53564 

6i().4i 

708.47 

58 

384-79 

462.07 

542.<>9 

628.47 

719.56 

59 

38<;.25 

4'''7.74 

55<5.o9 

637.29 

730-53 

60 

393-41 

473-13 

556.92 

645.88 

741-34 

61 

397.26 

478.21 

563-43 

654-20 

751-99 

62 

400.80 

482.95 

56<).62 

662.22 

762.48 

63 

403.96 

487.26 

575-40 

669.89 

772.7?> 

64 

406.72 

491.19 

580.78 

677.25 

782.76 

65 

4(x;.()i 

494.64 

^^S-7}. 

684.19 

792.59 

297 


y/2% 


0[M] 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 

TWENTY  YEAR  ENDOWMENT. 


Age. 

0 

I  Year. 

2  Years. 

20 

—10.58 

26.15 

62.61 

21 

—10.68 

26.09 

62.55 

22 

—10.80 

26.00 

62.50 

23 

—10.94 

25-89 

62.46 

24 

— 11.09 

25.80 

62.37 

25 

—  11.23 

25-68 

62.29 

26 

—  "•39 

25-57 

62.22 

27 

—11-59 

25.46 

62.11 

28 

—11.78 

25-32 

62.05 

29 

—11.99 

25.12 

61.90 

30 

— 12.24 

24.97 

61.83 

31 

— 12.^0 

24.76 

61.68 

32 

—12.80 

24.56 

61.53 

33 

—13.07 

24-34 

61.38 

34 

—13-44 

24-13 

61.21 

35 

—13.82 

23-86 

61.01 

36 

—14.20 

23-55 

60.82 

37 

—14.65 

23.24 

60.62 

38 

—15.16 

22.88 

60.34 

39 

—15-65 

22.49 

60.15 

40 

— 16.24 

22.13 

•   59-89 

41 

—16.88 

21.64 

59-56 

42 

—17-54 

21.19 

59.26 

43 

—18.30 

20.62 

58.89 

44 

—19.16 

20.06 

58.48 

45 

—20.02 

19.43 

58.07 

46 

— 21.02 

18.73 

57-6 1 

47 

—22.08 

17.96 

57-09 

48 

—23.21 

17.21 

56.59 

49 

—24.46 

16.26 

55-98 

50 

-25-83 

15-31 

55-40 

51 

—27-33 

14.24 

54-70 

52 

—28.94 

12.99 

53-94 

53 

—30.71 

11.92 

53-15 

54 

— 32.61 

10.65 

52-32 

55 

-34.68 

9.03 

51-45 

56 

—36.95 

7.66 

50.47 

57 

-39-35 

5-99 

49.46 

58 

—41.99 

4.18 

48.37 

59 

—44.84 

2.23 

47.18 

60 

—47.90 

.18 

45-95 

3  Years.  4  Years.  5  Years. 

99.94  138.43  178.25 

99.92  138.41  178.25 

99.88  138.41  178.23 

99.82  138.37  178.21 

99.80  138.35  178.17 

99.74  138.31  178.15 

99.69  138.29  178.17 

99.61  138.23  178.14 

99-57  138.21  178.10 

99-51  138.15  178.04 

99.42  138.13  178.04 

99.34  138.05  178.00 

99.24  137.99  177-97 

99-13  137-93  177-89 

99-05  137-92  177-89 

98.91  137.80  177.85 

98.78  137.74  177-78 

98.66  137.68  177.74 

98.51  137-58  177-68 

98.37  137-46  177-62 

98.20  137.38  177-57 

97-99  137-30  1 77-5  T 

97.81  137.14  177-49 

97-58  137.06  177.38 

97.31  136.84  177.28 

97.08  136.76  177.21 

96.81  136.60  177.19 

96.48  136.48  177-09 

96.20  136.31  177.02 

95-85  136.15  176.96 

95.48  13595  176.92 

95.10  135.81  176.87 

94.68  135.61  176.85 

94.23  135.41  176.83 

93-79  13525  176.83 

93.29  135-05  f7('-^3 

92.79  134.85  17O.89 

92.26  134-73  177.00 

91.72  134.57  177.11 

91  13  134.47  177-32 

90.55  134-37  177-57 


298 

f\\/g^^  SELECT  AND  ULTIMATE. 

1  />^?n  TERMINAL  RESERVES. 

U     ^  /yJ  TWENTY  YEAR  ENDOWMENT. 
0[M] 


Age. 

6  Years. 

7  Years. 

8  Years. 

9  Years. 

10  Years. 

20 

21943 

262.10 

306.30 

352-16 

399-71 

21 

21943 

262.10 

306.29 

352.11 

399.67 

22 

219.42 

262.06 

306.27 

352.08 

399.61 

23 

219.40 

262.04 

306.2 1 

352.04 

399-56 

24 

219.38 

2r)2.04 

306.17 

351-99 

399-48 

25 

219.36 

2r)  1. 98 

306.14 

351-93 

399-41 

26 

219.36 

262.01 

306.14 

351-87 

399-32 

27 

219-33 

261.94 

306.08 

351.81 

399-24 

^8 

219.31 

261.93 

306.05 

351-74 

399-13 

29 

219.29 

261.87 

306.00 

351-66 

399-03 

30 

219.27 

261.86 

305-95 

351.59 

398.92 

31 

219.24 

261.81 

305.86 

351-48 

398.78 

32 

219.18 

261.77 

305-81 

35141 

398.65 

33 

219.15 

261.72 

305-73 

351-31 

398.49 

34 

219.15 

261.70 

305-71 

351-20 

398.36 

35 

219.07 

26 1 .64 

305.62 

351-08 

388.19 

36 

219.04 

261.60 

305-52 

350.96 

397.98 

H. 

219.02 

261.55 

305-44 

350.83 

-i^l-n 

38 

218.95 

261.47 

305-36 

350.69 

397-57 

39 

218.89 

261.40 

305-25 

350.51 

397-33 

40 

218.86 

261.38 

305-18 

350.35 

397.09 

41 

218.82 

261.33 

305.06 

350.17 

396.82 

42 

218.77 

261.25 

304-94 

349-99 

396.54 

43 

218.73 

261.19 

304.86 

349-81 

396.23 

44 

218.68 

261.13 

304.67 

349-57 

395-88 

45 

218.64 

261.01 

304-58 

349-36  . 

395-52 

46 

218.61 

261.01 

304-45 

349-14 

395-17 

47 

218.59 

260.92 

304-32 

348.88 

394-77 

48 

218.55 

260.91 

304.22 

348.66 

394-38 

49 

218.52 

260.8  s 

304.08 

348.40 

393-95 

50 

218.50 

260.82 

303-98 

348.15 

393-49 

51 

218.52 

260.80 

30389 

347-89 

393-04 

52 

218.55 

260.82 

303-81 

347.68 

392.58 

53 

218.61 

260.85 

303-74 

347-43 

392.09 

54 

218.70 

260.94 

y^2>-7}^ 

347-23 

391.64 

55 

218.80 

261.04 

303-74 

347-03 

391.16 

56 

218.95 

26r.2[ 

303-79 

346.87 

3')o.73 

57 

219.18 

261.43 

303.90 

346.79 

3V)o.3i 

58 

219.47 

261.74 

304.11 

346.76 

389.93 

59 

219.83 

262.10 

304-35 

346.78 

380.59 

60 

220.26 

262.61 

304-75 

346.91 

T.^'^y:^ 

299 


3'/2% 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 

TWENTY  YEAR  ENDOWMENT 


0[^^] 


Age  II  Years.  12  Years.  13  Years  14  Years.  15  Years. 

JO  449.20  50072  '  554-37  610.J9  668.57 

21  44914  500.63  554-7  610.17  668.43 

22  44905  500.53  554- '6  610.04  668.30 

23  448.(/)  500.43  55404  609.90  668.13 

24  448.88  500.31  553«'^9  609.73  667.97 

25  448.76  500.18  55373  609.56  667.78 

26  448.67  500.05  553.58  609.38  667.59 

27  448.53  499-90  553-40  609.17  667.36 

28  448-42  499-72  553-19  608.95  667.12 

29  448.27  499-54  552.98  608.70  666.84 

30  448.11  499-35  552-75  608.44  666.57 

31  447.94  499-14  552-49  608.15  666.24 

32  447.74  498.89  552-21  607.82  665.90 

33  447.55  498-64  55T-91  607.48  665.52 

34  447.35  498.37  551-59  607.11  665.13 

35  447- 10  498.07  55 1 -22  606.09  664.67 

36  446-85  497-75  550.84  606.25  664.19 

37  446.56  497-40  550-41  605.74  663.65 

38  446.28  497.02  549-95  605.23  663.09 

39  445.95  496-59  549-44  604.66  662.44 

40  445.60  496.15  548.91  604.03  661.76 

41  445.23  495.69  548.32  603.35  661.02 

42  444.84  495-15  547-69  602.63  660.21 
4:5  444-39  494-58  546-99  601.82  659.33 

44  443.92  493.97  546.24  600.95  658.36 

45  443.42  493-31  545-43  6oo.ot  657.33 

46  442.89  492.62  544-57  598.99  656.21 

47  442.33  491-86  543-64  597-90  654.99 

48  441-72  491-07  542-65  596.74  653.68 

49  441.08  490.21  541-57  595-45  652.26 

50  440.41  489-31  540.4^  59409  650.71 

51  439.71  488.32  539.20  592.62  649.06 

52  438.98  487-33  537-89  591-07  647-28 

53  438.22  486.24  536.51  589.38  645.37 

54  437-43  485-14  53506  587-61  643.33 

55  436.63  483-96  533-52  585.71    .  641.14 

56  43582  482.76  531.90  583-72  638.80 

57  435.02  481.53  530.24  581.61  636.32 

58  434-23  480.28  528.49  579.39  633.69 

59  433-45  479-00  526.69  577-08  630.90 

60  AZ^-7Z  ^77-7^  524-86  574-68  627.99 


300 


3'/2% 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 

TWENTY  YEAR  ENDOWMENT. 


0[W] 


Age. 

16  Years. 

17  Years. 

18  Years.. 

19  Years. 

20  Years. 

20 

729.32 

792-70 

858.83 

927.87 

1000.00 

21 

729.19 

792.57 

l^ll'^ 

927.81 

1000.00 

22 

729.04 

792.44 

858.61 

927.74 

1000.00 

23 

728.89 

792.29 

8';8.49 

Q27.66 

1000.00 

24 

728.71 

792.12 

858.35 

927.58 

1000.00 

^5 

728.52 

791.94 

858.20 

927.49 

1000.00 

26 

728.32 

791-75 

858.05 

927.39 

1000.00 

27 

728.09 

791-54 

857-87 

927.28 

1000.00 

28 

727-84 

791-31 

857-67 

927.16 

1000.00 

29 

727-57 

791.04 

857.46 

927.03 

1000.00 

30 

727.28 

790.77 

857-23 

926.89 

1000.00 

3^ 

726.96 

790.46 

856.98 

926.73 

1000.00 

32 

726.60 

790.13 

856.70 

926.56 

1000.00 

33 

726.21 

789.76 

856.39- 

926.37 

1000.00 

34 

725.80 

789-37 

856.06 

926.16 

1000.00 

35 

725-34 

788.93 

855-70 

925-94 

1000.00 

36 

724-84 

788.46 

855-30 

925.69 

1000.00 

Z7 

724-29 

787-93 

854-87 

925.42 

1000.00 

38 

723.69 

-  1^7-?.7 

854-39 

925-13 

1000.00 

39 

723-05 

786.75 

853-87 

924.80 

1000.00 

40 

722.35 

786.08 

853-31 

924-45 

1000.00 

41 

721.57 

785-34 

852.69 

924.06 

1000.00 

42 

720.74 

784-54 

852.01 

923-64 

1000.00 

43 

719.82 

783-66 

851.27 

923.18 

1000.00 

44 

718.82 

782.70 

850.46 

922.67 

1000.00 

45 

717-74 

781.66 

849.57 

922.11 

1000.00 

46 

716.57 

780.52 

848.62 

921.51 

1000.00 

47 

715-29 

779-29 

847-57 

920.84 

1000.00 

48 

713-92 

777-95 

846.42 

920.11 

1000.00 

49 

712.41 

776.48 

845-17 

919.32 

IQOO.OO 

50 

710.79 

774-89 

843-80 

918.44 

1000.00 

51 

709.02 

773.16 

842.31 

917.49 

1000.00 

52 

707.13 

771.29 

840.69 

916.44 

1000.00 

53 

705-06 

769.26 

838.92 

915-29 

1000.00 

54 

702.87 

767.06 

836.99 

914-04 

1000.00 

55 

■  700.48 

764.67 

834-90 

912.67 

1000.00 

56 

697.93 

762.10 

832.61 

911.17 

1000.00 

57 

695.20 

759-33 

830.14 

009.53 

1000.00 

58 

692.28 

756.35 

827.46 

907.73 

1000.00 

59 

689.16 

753-^3 

824.55 

905-77 

1000.00 

60 

.   685.86 

749-69 

821.40 

903.63 

1000.00 

301 


3'/2% 


SELECT  AND  ULTIMATE. 
TERMINAL  RESERVES. 
FIFTEEN  YEAR  ENDOWMENT. 


OtM] 


Age. 

0 

I  Year. 

20 

— 9-93 

42.98 

21 

— 10.00 

42.89 

21 

— 10.12 

42.81 

-\^ 

—  10.24 

42.70 

-'4 

—  10.39 

42.59 

-5 

—  10.50 

42.48 

26 

—  10.67 

42.36 

-7 

—  10.85 

42.19 

1"^ 

—  1 1 .03 

42.06 

2i) 

— 11.22 

41.88 

30 

—11-45 

41.68 

31 

—  11-73 

41.50 

32 

—11.98 

41.24 

?,?> 

—12.27 

41.00 

34 

— 12.60 

40.75 

35 

—12.91 

40.44 

36 

—13.28 

40.16 

37 

—13.70 

39-83 

38 

—14.14 

39-47 

39 

—14.67 

39-03 

40 

—15.22 

38-56 

4T 

— 15.81 

38.08 

4-2 

— 16.41 

37-59 

43 

—  17-13 

36.99 

44 

—17-95 

36.35 

45 

—18.72 

35-68 

46 

—19.67 

34.88 

47 

— 20.65 

34-o6 

48 

—21.78 

33-19 

49 

—22.95 

32.15 

50 

—24.23 

31.12 

51 

—25-65 

29.94 

52 

—27.19 

28.73 

53 

—28.89 

27.28 

54 

—30.69 

25-89 

55 

—32-65 

24.27 

56- 

—34-83 

22.52 

S7 

—37-14 

20.65 

58 

—39-70 

18.57 

59 

—42.44 

16.40 

60 

—45-42 

13-99 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

96.27 

151.11 

207.85 

266.67 

96.18 

'  5 '  03 

207.79 

266.62 

96.12 

150.98 

207.74 

266.55 

96.02 

150.88 

207.63 

266.45 

95-89 

150.78 

207-55 

266.35 

95.81 

150.70 

207.48 

266.28 

95-73 

150.62 

207.39 

266.16 

95-56 

1 50.45 

207.24 

266.04 

9546 

150-39 

207.13 

265.94 

95-29 

150-23 

207.01 

265-79 

95-16 

150.10 

206.86 

265.64 

94-98 

149.92 

206.71 

265.49 

94-77 

149-74 

206.51 

265.27 

94.66 

149-55 

206.33 

265.08 

94-35 

149-35 

206. 1 3 

264.88 

94.08 

149.12 

205.91 

264.66 

93.81 

148.86 

205.67 

264.40 

93-56 

148.63 

205-45 

264.17 

93.22 

148.35 

205.18 

263.88 

92.87 

148.00 

204.81 

263.52 

92.45 

147-63 

204.48 

263.17 

92.05 

147-25 

204.08 

262.79 

91-59 

146.86 

203.69 

262.40 

91. II 

146.41 

203.25 

261.93 

90.53 

145-88 

202.79 

261.43 

89.96 

145-37 

202.28 

260.85 

89.29 

144.80 

20 1 .69 

260.28 

88.62 

144-13 

201.07 

259.64 

87.82 

143-48 

200.4 1 

258.96 

87.00 

142.69 

199-69 

258.19 

86.10 

141.90 

198.91 

257-41 

85.11 

141.01 

198.06 

256.54 

84-05 

140.06 

197.16 

255.61 

82.89 

139.01 

196.16 

254.58 

81.65 

137-92 

195.12 

253-50 

80.31 

136.72 

193.97 

252.33 

78.83 

■  135-43 

192.71 

251.05 

77.26 

134-06 

•91.44 

249.73 

75-58 

132-54 

190.01 

248.27 

73-75 

130.98 

188.55 

246.80 

71.78 

129.24 

186.91 

245.13 

302 


3'/2% 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 

FIFTEEN  YEAR  ENDOWMENT. 


Age. 

6  Years. 

7  Years. 

8  Years. 

9  Years. 

10  Years. 

20 

32770 

391.04 

456.85 

525-26 

596.40 

21 

327.61 

390.95 

456.74 

525.12 

596.30 

22 

327-55 

390.86 

456.65 

525.03 

596.19 

33 

327.46 

390.77 

456.52 

524.93 

596.06 

24 

32733 

390.67 

456.4 1 

524.80 

595.91 

25 

32724 

390-53 

456.29 

524.66 

595.78 

26 

327-15 

390.42 

456.16 

524-50 

595.61 

27 

326.99 

390-25 

456.01 

524.31 

595.42 

28 

326.88 

390.15 

455.85 

524.15 

595-23 

29 

326.73 

389-97 

455.64 

523-92 

595-01 

30 

326.59 

389-79 

455.47 

523-71 

594.79 

31 

326.39 

389.61 

455.25 

523-50 

594.54 

32 

326.20 

389-34 

455-00 

523.20 

594.24 

33 

325-98 

389-13 

454.72 

522.95 

593.94 

34 

32575 

388.89 

454.44 

522.64 

593.61 

35 

325-52 

388.62 

454.15 

522.28 

593.24 

36 

325-24 

388.33 

45380 

521.92 

592.85 

37 

324-93 

388.02 

453-45 

521.51 

592.42 

38 

324-65 

387-65 

453-05 

521.08 

591-95 

39 

324-24 

387.21 

452.61 

520.60 

591-44 

40 

32389 

386.77 

452.13 

520.06 

590.86 

41 

323-45 

386.34 

451.60 

519.48 

590.25 

42 

323-00 

385-86 

451.04 

518.87 

589-59 

43 

322.55 

385-29 

450.43 

518.19 

588.86 

44 

321.98 

384.68 

449-75 

517.43 

588.04 

45 

321.41 

384.03 

449-03 

516.63 

587.18 

46 

320.77 

383.32 

448.21 

515.74 

586.22 

47 

320.06 

382.54 

447-34 

514.78 

585.19 

48 

319-31 

381.71 

446.41 

513.75 

584-07 

49 

318.49 

380.79 

445-37 

512.59 

582.82 

50 

317.61 

379.82 

444.27 

511.37 

581.51 

51 

316.67 

378.74 

443.08 

510.03 

580.06 

52 

315-66 

377.61 

441-79 

508.59 

578.49 

53 

314-54 

376.35 

440.37 

507.00 

576.77 

54 

313-37 

375.04 

438.87 

505-34 

574.94 

55 

312.12 

373.62 

437.26 

503-50 

572.92 

56 

310.71 

372.06 

435.49 

501.51 

570.74 

57 

309.27 

370.42 

433.60 

499.40 

568.39 

58 

307.71 

368.65 

431.61 

496.99 

565.85 

306.08 

366.77 

429.44 

494.65 

563-13 

60 

304.29 

364-77 

427.12 

491-98 

560.20 

303 


3'4% 


SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 

FIFTEEN  YEAR  ENDOWMENT. 


OtM] 


Age 

20 
21 
22 

23 
24 

25 
26 

27 
28 

29 
30 
31 
32 
33 
34 
35 
36 
37 
38 
39 
40 

41 
42 
43 
44 
45 
46 
47 
48 

49 
50 
51 
52 
53 
54 
55 
56 
57 
58 
59 
60 


II  Years. 

670.52 
670.41 
670.30 
670.16 
670.03 
669.87 
669.71 
669.52 
669.34 
669.11 
668.88 
668.62 
668.32 
668.01 
667.69 
667.30 
666.92 
666.47 
666.00 

665.47 
664.88 
664.25 
663.58 
662.82 
662.01 
661.12 
660.14 
659.08 
657.92 
656.65 
655-29 
65378 
652.15 
650.38 
648.46 

646.37 
644.08 
641.62 

638.93 
636.06 
632.92 


12  Years. 

747-77 
747.67 
747-56 
747-44 
747-31 
747.17 
747.01 

746.84 
746.66 

746.45 
746.24 

745-99 
745-72 
745-43 
745-11 
744-76 
744-39 
743-98 
743-52 
743.02 

742.47 
741.89 

741-23 
740.52 
739-75 
738.90 

737-98 
736.97 
735-86 
734.66 

733-34 
731.90 

730-35 
728.63 
726.78 
724-75 
722.54 
720.14 
717-52 
714.69 
711-59 


13  Years. 

828.32 
828.24 
828.15 
828.05 
827.94 
827.82 
827.70 

827-55 
827.40 
827.23 
827.05 
826.85 
826.63 
826.38 
826.12 
825.83 

825.53 
825.18 
824.80 
824.39 
823.94 

823.44 
822.91 
822.32 
821.66 
820.96 
820.18 

819-34 
818.41 
817.40 
816.29 
815.08 

813-77 
812.31 
810.74 
809.01 
807.11 
-805.06 
802.80 
800.34 
797-65 


14  Years. 

15  Years. 

912.34 

1000.00 

912.29 

1000.00 

912.23 

1000.00 

912.17 

1000.00 

912.10 

1000.00 

912.03 

1000.00 

911.96 

1000.00 

911.87 

1000.00 

911.77 

1000.00 

911.67 

1000.00 

911.56 

1000.00 

911-43 

1000.00 

911.30 

1000.00 

911. 15 

1000.00 

910.99 

1000.00 

910.81 

1000.00 

910.62 

1000.00 

910.41 

1000.00 

910.17 

1000.00 

909.92 

1000.00 

909.64 

1000.00 

90933 

1000.00 

909.00 

1000.00 

908.63 

1000.00 

908.23 

1000.00 

907.79 

1000.00 

907.31 

1000.00 

906.78 

1000.00 

906.21 

1000.00 

905-57 

1000.00 

904.88 

1000.00 

904.12 

1000.00 

903.29 

1000.00 

902.37 

1000.00 

901.37 

1000.00 

900.28 

1 000.00 

899.07 

1000.00 

897.75 

1000.00 

896.30 

1000.00 

894.71 

1000.00 

892.97 

1000.00 

304 


3'/2% 


OCM] 


Age.  o. 

20  —8.57 

21  -8.63 

22  — 8.72 

23  —8.82 

24  —8.95 

25  -^9.06 

26  —9.19 

28  —9.48 

29  —9-63 

30  —9.86 
,  31  —10.03 

32  — 10.27 

33  —10.54 

34  —10.79 

35  — 11.08 

36  — 1 1. 41 

37  —11-75 

38  — 12.13 

39  —12.55 

40  — 12.99 

41  -13-50 

42  —14.09 

43  —14-^^0 

44  —15-33 

45  —16.03 

46  —16.80 

47  —17-63 

48  —18.58 

49  — 19-5<'^ 

50  — 20.68 

5 1  — 2 1 .89 

52  — 23.20 

53  — 24.66 

54  —26.19 

55  —27.89 

56  —29.79 

57  —31-79 

58  —3400 

59  — 3^>-42 

60  — 39.03 

61  — 41.83 

62  — 44-90 

63  —48.26 

64  —5 1 .87 

65  —55-82 


SELECT   AND    ULTIMATE. 

TERMINAL  RESERVES. 
TEN  YEAR  ENDOWMENT. 


I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

77-47 

165.26 

256.06 

350.24 

448.10 

77-41 

165.19 

256.00 

350.18 

448.02 

77-Z^ 

165-13 

255-92 

350.11 

447.96 

77-19 

165-03 

255-82 

350.02 

447-83 

77.11 

164.92 

255-73 

34992 

447.74 

77.00 

164.80 

255-61 

349.77 

447-63 

76.88 

164.72 

255-49 

349.66 

447-50 

76-75 

164-57 

255-35 

349-53 

447-39 

76.62 

164.44 

255-23 

349-39 

447-24 

76-45 

164.28 

255-06 

349-24 

447.07 

76.28 

164.15 

254.91 

349,-08 

446.88 

76.11 

163.94 

254-70 

348.90 

446.69 

75.88 

163-74 

254-51 

348.66 

446.48 

75-64 

163.53 

254-29 

348.45 

446.22 

75-43 

163.30 

254-07 

348.19 

445-97 

75-15 

163.01 

253.79 

347-94 

445.71 

74.88 

162.74 

253-48 

347-65 

445-40 

74-51 

162.41 

253-17 

347-29 

445-07 

74-17 

162.07 

252.85 

346.94 

444-7  T 

73-75 

161.68 

252.45 

346.55 

444.31 

73-40 

161.27 

252.04 

346.15 

443-88 

72.91 

160.87 

251.62 

345-68 

443.40 

72.38 

160.40 

251.14 

345-^7 

442.89 

71-85 

159-84 

250.61 

344.64 

442.34 

71.27 

1 59.26 

249.98 

344.01 

441.70 

70.58 

158.59 

249.36 

343.36 

441.02 

69.92 

157-95 

248.67 

342.66 

440.28 

69.  T  3 

T57-to 

247.89 

34T.87 

439.47 

68.27 

156.35 

247.08 

341.01 

438.59 

67-33 

155-44 

246.18 

340.08 

437.62 

66.29 

154-47 

245.19 

'330.05 

436.57 

65.22 

153-42 

244.11 

337.95 

435-43 

63-99 

152-23 

242.()2 

^?,^^-7?> 

434.16 

62.68 

1 50.96 

241.63 

335-40 

4^2.?.2 

61.25 

149-57 

240.25 

^^?>-^l^ 

431-32 

59-71 

148.08 

238.75 

33241 

429.69 

58.00 

146.43 

237.10 

33'^.69 

427.93 

56.16 

144.64 

235-28 

328.85 

426.00 

54- T I 

T42.73 

233-33 

326.81 

42300 

5  f  -93 

T40.59 

231.21 

324.62 

42 1 .64 

49.59 

138.35 

228.92 

^^^■^S 

4"''i7 

47.01 

135-87 

2>j6.41 

3^0.65 

416.4^) 

44-19 

133.20 

227,.72 

316.86 

413.5^' 

41.20 

130.28 

220.83 

3  T  3.85 

410.41 

37-90 

127.13 

217.65 

310.57 

4o6.()4 

34-33 

123.73 

214.22 

306.99 

403.21 

305 


y/2% 


Qim 


Age. 

6  Years. 

7  Years. 

20 

549.82 

655-61 

21 

549-75 

655-55 

22 

549.66 

655-47 

23 

549-55 

655-38 

24 

549-45 

655-28 

25 

549-34 

655-16 

26 

549-24 

655-05 

27 

549-09 

654.92 

28 

548.93 

654-78 

29 

548.77 

654-63 

30 

548.60 

654-47 

31 

548.40 

654.28 

32 

548.19 

654-08 

33 

547-95 

653.86 

34 

547-71 

653-62 

35 

547-43 

653-37 

36 

547-11 

653.08 

37 

546.78 

652.77 

38 

546.43 

652.43 

39 

546.02 

652.04 

40 

545-59 

651-63 

41 

545-12 

651.19 

42 

544-59 

650.70 

43 

544-04 

650.17 

44 

54340 

649-57 

45 

542.72 

648.93 

46 

542.00 

648.23 

47 

541-17 

647.46 

48 

540.28 

646.62 

49 

539-32 

645-70 

50 

538.25 

644.70 

51 

537-11 

643.61 

52 

535-84 

642.40 

53 

534-48 

641.09 

54 

532.98 

639.67 

55 

531-35 

638.  T  I 

56 

529-54 

636.39 

57 

527.60 

634-52 

58 

525-46 

632.48 

59 

523-15 

630.25 

60 

520.65 

627.86 

61 

517-89 

625.18 

62 

514.92 

622.33 

63 

511-69 

619.16 

64 

508.15 

6i5-7f 

65 

504-30 

611.97 

SELECT  AND  ULTIMATE. 

TERMINAL  RESERVES. 
TEN  YEAR  ENDOWMENT. 


8  Years. 

765.74 
765.68 
765.62 
765.54 
765.45 
765-36 
765.27 

765.17 
765-05 
764.92 
764.78 
764.63 
764-46 
764.27 
764.08 

763-87 
763.62 
763-36 
763-07 
762.75 
762.41 
762.04 
761.63 
761.18 
760.68 
760.15 
759-55 
758.91 
758.20 

757-41 
756.57 
755-66 
754-63 
753-53 
752.31 
750.99 
749-54 
747-93 
746.21 

744-29 

742.22 

739-93 
737-43 
734-71 
731-71 
728.44 


9  Years. 

10  Years. 

880.44 

1000.00 

880.41 

1000.00 

880.37 

1000.00 

880.32 

1000.00 

880.27 

1000.00 

880.21 

1000.00 

880.15 

1000.00 

880.09 

1000.00 

880.01 

1000.00 

879-93 

1000.00 

879-85 

1000.00 

879-75 

1 000.00 

879-65 

1000.00 

879-53 

1000.00 

879.4  r 

1000.00 

879.27 

1000.00 

879.12 

1 000.00 

878.95 

1000.00 

878.78 

1000.00 

878.58 

1000.00 

878.36 

1 000.00 

878.13 

1000.00 

877-87 

1000.00 

877-59 

1000.00 

877.28 

1000.00 

876.94 

1000.00 

876.57 

1 000.00 

876.16 

1000.00 

875-72 

1 000.00 

875-23 

1 000.00 

874-69 

I  (XX). 00 

874-11 

100(0.00 

873-47 

1000.00 

872.76 

1000.00 

871-99 

1000.00 

871-15 

1000.00 

870.22 

1CXX).00 

869.21 

1  (XX).00 

868.0() 

1(X)0.00 

866.87 

lOOO.CK) 

865.53 

IOOO.(X) 

864.0s 

1000.00 

862.43 

1000.00 

860.66 

I(X)0.(30 

858.70 

1000.(00 

856.56 

lOCXJ.OO 

3o6 


ni/ry 

/ 

SELECT  AND  ULTIMATE. 

aYPa 

^ 

MEAN  RESERVES. 

\3^  1  n 

\J 

WHOLE  LIFE. 

Qim 

Age.         I 

Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

1.26 

10.22 

19-37 

28.39 

37-42 

21 

1.28 

10-75 

20.22 

29-54 

38.90 

22 

1.30 

11.30 

21.10 

30.76 

40.47 

^Z 

1-31 

11.84 

21.98 

32.00 

42.05 

24 

1-34 

12.43 

22.93 

33-30 

43-70 

25 

1.36 

13.02 

23-88 

34-62 

4541 

26 

1.62 

13-65 

24.91 

36.04 

47.22 

^2 

1.85 

14.28 

25.92 

37-47 

49-08 

28 

2.09 

14-95 

27.02 

38.98 

50.97 

29 

2.31 

15-59 

28.11 

40.52 

52.95 

30 

2.55 

16.30 

29.26 

42.11 

55-02 

31 

2.82 

17.02 

30.44 

43-77 

57.15 

32 

303 

17.72 

31-65 

45-46 

59-31 

33 

3.28 

18.49 

32.92 

47-24 

61.01 

34 

3-50 

19.27 

34.22 

49-07 

63-95 

35 

3-74 

20.03 

35-54 

50.93 

66.35 

36 

3-96 

20.84 

36.92 

52.89 

68.88 

37 

4.19 

21.67 

38.35 

54-90 

71.46 

38 

4.40 

22.54 

39-84 

57.00 

74.16 

39 

4-5^> 

23-35 

41-31 

59.10 

76.89 

40 

476 

24.22 

42.85 

61.29 

79.71 

41 

4-94 

25-13 

44.46 

63-58 

82.65 

42 

5-09 

26.01 

46.06 

65.88 

85.66 

43 

5-23 

26.93 

47-74 

68.30 

88.77 

44 

5-31 

27.83 

49.40 

70.72 

91.94 

45 

541 

28.75 

51-13 

73-24 

95-20 

46 

5-47 

29.70 

52.92 

75-83 

98.56 

47 

548 

30.62 

54-73 

78.48 

102.02 

48 

545 

31-55 

56.57 

81.18 

105.53 

49 

542 

32.48 

58.44 

83.96 

109.16 

50 

5-32 

33-40 

60.34 

86.78 

112.87 

51 

5-17 

34-35 

62.30 

89.70 

116.68 

52 

4-95 

35-26 

64.27 

92.65 

120.57 

53 

4.68 

36.15 

66.24 

95-65 

124-53 

54 

4.69 

37-04 

68.30 

98.76 

128.60 

55 

5-03 

37-89 

70.30 

101.86 

132.69 

56 

5-39 

38.74 

72.36 

105.04 

136.92 

57 

5.80 

3952 

74-40 

108.25 

141.18 

58 

6.24 

40.30 

76.49 

111.52 

M5-54 

59 

6.72 

41.04 

78.58 

114.84 

149.98 

60 

7.24 

41.72 

80.67 

1  iS.K) 

154-47 

61 

7.82 

42.38 

82.78 

121.60 

15903 

62 

8.44 

42.97 

84.85 

125.00 

163.64 

63 

9-13 

43-50 

86.96 

128.51 

^(^'^■7.}. 

64 

9.88 

43-98 

89.02 

131.98 

173-05 

65 

10.69 

44-39 

91.09 

135.50 

177-83 

307 


ni 

1  /.rw 

SELECT  AND  ULTIMATE. 

3 

%Pfn 

MEAN  RESERVES. 

U' 

jL  /U 

WHOLE  LIFE. 

OCM] 

Age, 

6  Years. 

7  Years. 

8  Years. 

9  Years. 

10  Years.' 

20 

46.51 

55-70 

64.97 

74-31 

83.72 

21 

48.34 

57.84 

67.44 

77.12 

86.87 

22 

50-23 

60.08 

70.03 

ao.o6 

90.18 

23 

52.17 

62.40 

72.69 

83.08 

93-56 

24 

54-19 

64.77 

75-45 

86.22 

97.08 

25 

56.29 

67.26 

78.30 

89-44 

100.70 

26 

58.49 

69.85 

81.29 

92.83 

104.49 

27 

60.75 

72.51 

84.36 

96-33 

108.39 

28 

63.06 

75.26 

87-55 

99-93 

112.40 

29 

65.48 

78.12 

90.85 

103.67 

116.57 

30 

68.00 

81.07 

94.24 

107.51 

120.88 

31 

70.60 

84.13 

97-77 

111.51 

125-31 

32 

73-25 

87.28 

101.41 

115-16 

129.87 

J3 

76.04 

90.55 

105.15 

119.85 

134.61 

34 

78.91 

93-95 

109.05 

124.24 

139-48 

35 

81.85 

97.42 

113.06 

128.75 

144.49 

36 

84.90 

lOI.OI 

117.17 

133-39 

149.64 

Ts'J 

88.07 

104.74 

121.45 

138.19 

154.96 

38 

91.36 

108.59 

125.86 

143.16 

160.47 

39 

94.70 

112.52 

130.36 

148.22 

166.06 

40 

98.14 

116.58 

135-02 

153-43 

171.84 

41 

101.73 

120.79 

139-83 

158.83 

177-78 

42 

105.40 

125.09 

144-75 

164.34 

183.86 

43 

109.18 

129.53 

149-82 

170.03 

190.12 

44 

113.06 

134.09 

15503 

175-85 

196.51 

45 

117.03 

138.75 

ifxD.34 

181.78 

203.04 

46 

121. 15 

143-57 

165.82 

187.89 

209.74 

47 

125-36 

148.51 

171.44 

194.14 

216.60 

48 

129.66 

153-56 

177.19 

200.55 

223.61 

49 

134.08 

158.72 

183.06 

207.07 

230.73 

50 

138.62 

164.03 

189.08 

213-75 

238.01 

51 

143-27 

169.46 

195-23 

220.57 

245-44 

52 

148.02 

175.01 

201.52 

227.53 

253.02 

53 

152.86 

180.65 

207.90 

23459 

260.68 

54 

157-83 

186.45 

214.46 

241.83 

268.52 

55 

162.86 

192.35 

221.12 

249-15 

276.43 

56 

168.02 

198.35 

227.88 

256.59 

284.47 

57 

173-25 

204.44 

23474 

264.14 

292.62 

58 

178.58 

210.65 

241-73 

271.81 

300.85 

59 

184.02 

216.97 

248.82 

279-56 

309.18 

60 

189-53 

223.39 

256.03 

287.43 

317-59 

61 

195.11 

229.87 

263.29 

295-37 

326.08 

62 

200.78 

236.45 

270.64 

303-37 

334-62 

63 

206.52 

243.11 

278.10 

311-47 

343-23 

64 

212.32 

249.84 

285.59 

319.60 

351-87 

65 

218.19 

256.64 

293.17 

327-82 

360.57 

3o8 


01 

1  /av/ 

SELECT  AND  ULTIMATE. 

tl 

^% 

MEAN  RESERVES. 

U' 

Z  A^ 

WHOLE  LIFE. 

0[M] 

Age. 

II  Years. 

12  Years 

13  Years. 

14  Years. 

15  Years. 

20 

93-25 

103.04 

113.10 

123-43 

134.06 

21 

96.78 

106.91 

117.31 

128.02 

139.02 

22 

100.44 

110.91 

121.70 

132.78 

144-13 

23 

104.18 

115-05 

126.21 

137-65 

149-39 

24 

108.08 

119-33 

130.87 

142.70 

154-83 

25 

112. 10 

123-74 

135-66 

147.90 

160.44 

26 

116.29 

128.32 

140.66 

153.31 

166.23 

27 

120.58 

133-04 

145.80 

158.84 

172.19 

28 

125.03 

137.92 

151.09 

164.55 

178.32 

29 

129.63 

142.92 

156.52 

170.43 

184.62 

30 

134-37 

148.11 

162.16 

176.50 

191.14 

31 

139-25 

153-45 

167.94 

182.74 

197.82 

32 

144.27 

158.92 

173.88 

189.13 

204.64 

33 

149-48 

164.61 

180.03 

195-72 

211.69 

34 

154-84 

170-45 

186.33 

202.49 

218.92 

35 

160.33 

176.41 

192.77 

209.41 

226.30 

36 

166.00 

182.57 

199-42 

216.53 

233-88 

^^ 

171.83 

188.90 

206.24 

223.82 

241.63 

38 

177.84 

195-42 

213-24 

231.30 

249-59 

30 

183.96 

202.05 

220.37 

238.92 

257.66 

40 

190.27 

208.86 

227.69 

246.72 

265.93 

41 

196.76 

215.88 

235.20 

254-71 

274.40 

42 

203.38 

223.01 

242.84 

262.85 

282.99 

43 

210.16 

230.32 

250.67 

271.16 

291.77 

44 

217.11 

237-81 

^-frH 

279.62 

300.68 

45 

224.20 

245-43 

266.78 

288.22 

309.72 

46 

231.46 

25322 

275.07 

296.98 

318.93 

47 

238.8<) 

26 1 . 1 7 

283-50 

305.88 

328.27 

48 

246.44 

269-23 

292.07 

314-91 

ZZ7-72 

49 

254-13 

277-45 

300.78 

324.07 

347-29 

50 

261.95 

285.80 

309.60 

333-33 

356.96 

51 

269.95 

294-30 

318.57 

342.73 

366.75 

52 

278.06 

302.90 

327.64 

352.22 

376.61 

53 

286.27 

311.61 

336.79 

361.78 

386.53 

54 

294.64 

320.46 

346.08 

371-45 

396-54 

55 

303.08 

329.37 

355-41 

381.16 

406.56 

56 

311-65 

338-30 

364-83 

390.92 

416.65 

57 

320.29 

347-47 

374-30 

400.73 

426.73 

58 

329.01 

356.61 

383-82 

410.57 

436.83 

59 

337-82 

365-84 

39340 

420.44 

446.93 

60 

346.70 

375-12 

403.00 

430-31 

457-02 

61 

355-63 

384-41 

412.59 

440.16 

467.07 

62 

364-50 

303-71 

422.10 

450.00 

477-08 

63 

373-60 

403.06 

431-81 

459.82 

48703 

64 

382.63 

412.40 

441-39 

469.56 

496.89 

65 

391.69 

421.73 

450.93 

479.25 

506.68 

309 


3!^% 


OEM] 

Age.  i6  Years. 

20  144.9S 

21  150.29 

22  15577 
2;^  161.42 

24  167.27 

25  173-25 

26  179.46 

27  185.83 
2><  192.38 

29  199.12 

30  206.05 

31  213.16 
^2  220.44 

33  227.92 

34  235.60  • 

35  243.42 

36  251.45 
^7  259.66 
^^  268.06 

39  276.58 

40  285.31 

41  294.22 

42  303.26 

43  312.46 

44  321.80 

45  331-26 

46  340.89 

47  350.62 

48  360.46 

49  370.41 

50  380.44 

51  390.57 

52  400.77 

53  411.00 

54  421.29 

55  43T-60 

56  441.93 

57  452.25 

58  462.55 

59  472.85 

60  483.10 

61  493-29 

62  503-40 

63  513-43 

64  523-35 

65  533-17 


SELECT  AND  ULTIMATE. 

MEAN  RESERVES. 

WHOLE  LIFE. 

17  Years 

18  Years. 

19  Years. 

20  Years. 

I5(..i8 

167.65 

179-43 

191.50 

161.85 

173-71 

185.86 

198.28 

167.72 

179.97 

192.47 

205.27 

173-76 

186.37 

199.26 

212.45 

179.98 

192.98 

206.27 

219.84 

186.36 

199.77 

213-45 

227.42 

192.98 

206.78 

220.87 

235-23 

199.76 

213.98 

228.47 

243.21 

206.74 

221.36 

236.25 

251.40 

213.89 

228.92 

244.22 

259-77 

221.24 

236.69 

252.40 

268.35 

228.78 

244-65 

260.77 

277.12 

236.49 

252.78 

269.31 

286.05 

244.41 

26 1 .  [  3 

278.06 

295-21 

252.52 

269.65 

287.01 

304-54 

260.77 

278.34 

296.09 

314.01 

269.24 

287.22 

305-37 

323-69 

277.88 

296.28 

314.84 

333-53 

286.71 

305.53 

324-48 

343-55 

295.68 

314-91 

334-25 

353-67 

304.82 

324.46 

344-18 

363-94 

314.16 

334-18 

354-26 

374-38 

323-61 

344-01 

364-45 

384-91 

333-21 

354-00 

374-80 

395-56 

342.95 

364.11 

385-24 

406.31 

352.82 

374-33 

395-78 

41713 

362.81 

384.67 

406.43 

428.05 

372.91 

395- 10 

417-15 

439-03 

383.10 

405.60 

427-93 

450.04 

393-39 

416.18 

438.76 

461.09 

403-74 

426.82 

449.63 

472.15 

414.17 

437-51 

460.53 

483.22 

424.65 

448.21 

471.44 

494.29 

435-14 

458.93 

482.34 

50530 

445-69 

469.68 

493-23 

516.29 

456.22 

480.38 

504-05 

527.20 

466.75 

491.06 

514-84 

538.05 

477-24 

501.69 

525-55 

548.79 

487-71 

512.26 

536.18 

55942 

498.14 

522.77 

546.71 

569.94 

508.49 

533-18 

557-12 

580.31 

518.76 

543-47 

567-40 

590.52 

528.93 

553-65 

577-5?, 

600.56 

539.00 

56369 

587-50 

610.42 

548.92 

573-57 

597-29 

620.06 

558.72 

583-30 

606.89 

629.50 

310 


3'/2% 


SELECT  AND  ULTIMATE. 

MEAN  RESERVES. 
TWENTY  PAYMENT  LIFE. 


Qim 


Age. 

I  Year. 

2  ' 

20 

7.76 

21 

8.04 

22 

8.31 

23 

8.57 

24 

8.84 

25 

9-13 

26 

9.42 

27 

9.70 

28 

9.98 

29 

10.24 

30 

10.51 

31 

10.80 

32 

11.05 

33 

11.30 

34 

11-55 

35 

11.80 

36 

12.01 

37 

12.22 

38 

12.38 

39 

12.58 

40 

12.73 

41 

12.83 

42 

12.94 

43 

12.99 

44 

12.99 

45 

13.00 

46 

12.93 

47 

12.82 

48 

12.67 

49 

12.46 

50 

12.20 

51 

11.83 

52 

11-37 

53 

10.93 

54 

10.37 

55 

9-65 

56 

8.96 

57 

8.10 

58 

7.16 

59 

6.72 

60 

7-?4 

25-19 
25.82 
26.48 
27.13 

27.82 

28.51 

29.22 

29-95 
30.68 

31-41 
32.16 

32.93 
33-69 
34-46 
35-25 
36.04 
36.82 
37.61 
38.37 
39-18 

39-97 
40.70 
41.48 
42.20 
42.93 
43-65 
4431 
44.96 
45.60 
46.17 

46.74 
47.24 
47.66 
48.14 
48.52 
48.81 
49.13 
49-34 
49-51 
49-94 
50.85 


Years. 

41.12 
43-13 
44-17 
45-23 
46.32 

47-43 
48.57 
49-73 
50.92 

52-13 
53-36 
54.62 
55-90 
57-18 
58.50 
59-83 
61.17 

62.55 
63.90 
65-29 
66.70 
68.07 
69-49 
70.87 
72.26 
73.68 

75-05 
76.41 

77-79 
79-13 
80.47 
81.78 

8305 
84.31 
85-55 
86.77 
87.97 

89.13 
90.30 
91.42 
92.52 


4  Years. 

59-24 
60.64 
62.06 
63-52 
65-03 
66.57 
68.14 

69-75 
71.40 
73-08 
74-80 
76.56 
78.34 
80.15 
82.01 
83.87 

85-77 

87.71 

89.66 

91.63 

93-63 

95-63 

97.66 

99.69 

101.71 

103.80 

105.83 

107.90 

109.95 
1 12.01 
1 14.05 
1 16. 1 1 
118.13 
120.15 
122.17 
124.18 
126.20 
128.19 
130.22 
132.23 
134-25 


Years. 

76-73 
78.51 
80.33 
82.21 

84.13 
86.10 
88.13 
90.18 
92.31 

94-45 
96.67 
98.92 
101.22 
103.54 
105.93 
108.35 
110.79 
113.29 
1 15.81 
118.36 
120.95 

123.55 
126.18 
128.83 
131.46 
134-17 
136.85 
139-57 
142.26 

144-98 
147-69 
150.42 
153.12 
155-84 
158.56 
161.26 
164.01 
166.73 
169.49 
172.26 
175-07 


3" 


3'/2% 


QlMl 


SELECT  AND  ULTIMATE^ 

MEAN  RESERVES. 
TWENTY  PAYMENT  LIFE. 


Age. 

6  Years. 

7  Years. 

8  Years. 

9  Years. 

10  Years. 

20 

9465 

I J  3.01 

J31-85 

151.20 

171.09 

21 

96.81 

115.58 

134-85 

1 54-63 

174-93 

22 

99-05 

1 18.23 

'37-9f 

158.12 

178.88 

23 

101.34 

120.94 

141.05 

161.71 

182.92 

24 

103.69 

123.73 

144.29 

i65.3'> 

187.05 

25 

10(^).I0  . 

126.59 

r  47.60 

169.17 

191-30 

26 

108.57 

129.52 

150.99 

173.02 

195-63 

27 

111.09 

132.51 

154.45 

1 76.96 

200.06 

28 

113.68 

^  35-57 

158.00 

180.99 

204.58 

29 

116.32 

138.70 

161.61 

185.10 

209.20 

30 

119.02 

141.89 

165.31 

189.30 

213.90 

31 

121.77 

I45-H 

169.06 

193-57 

218.69 

32 

124.58 

148.46 

172.90 

197-93 

223.56 

33 

127.42 

151.82 

176.78 

202.33 

228.50 

34 

130.34 

155-28 

180.77 

206.84 

233-53 

35 

133-30 

158.76 

184.79 

211.40 

238.63 

36 

136.29 

162.31 

188.87 

216.02 

243-79 

37 

139-34 

165.91 

193.01 

220.70 

249.00 

38 

142.41 

169-53 

197.19 

225-43 

254.28 

39 

145-54 

173.21 

201.42 

230.20 

259-59 

40 

148.70 

176.94 

205.71 

235-03 

264.94 

41 

151.88 

180.69 

210.01 

239-87 

270.33 

42 

155-13 

184.49 

214.36 

244-76 

275-75 

43 

158.35 

188.31 

218.74 

249.68 

281.18 

44 

161.59 

192.14 

223.11 

254-57 

286.61 

45 

164.89 

195-99 

227.52 

2.59-52 

292.04 

46 

168.19 

199.87 

231-94 

264.45 

297.46 

47 

T71-51 

203-75 

236.35 

269.37 

302.88 

48 

174.81 

207.64 

240.78 

274.29 

308.25 

49 

178.14 

211-53 

245-19 

279.20 

313-61 

50 

181.46 

215.41 

249-59 

284.07 

318.92 

51 

184.79 

219.30 

253-99 

288.91 

324-17 

52 

188.12 

223.18 

258.37 

293-75 

329-38 

53 

191.46 

227.07 

262.73 

298.52 

334-55 

54 

194.79 

230.94 

267.08 

303-28 

339.63 

55 

198.12 

234.81 

271.40 

307.99 

344-66 

56 

201.49 

238.70 

275-74 

312.68 

349-63 

57 

204.83 

242.59 

280.07 

317-35 

354-56 

58 

208.22 

246.49 

284.38 

321.99 

359-43 

211.63 

250.42 

288.69 

326.60 

364-23 

60 

215.08 

254.37 

293-05 

331-23 

369.02 

312 


3'/2% 


0[M] 


SELECT   AND    ULTIMATE. 

MEAN    RESERVES. 
TWENTY  PAYMENT  LIFE. 


Age. 

II  Years. 

12  Years. 

13  Years. 

14  Years. 

15  Years. 

JO 

191 -57 

212.7s 

234-77 

257-58 

281.25 

Ji 

i95.8(. 

2 1 7-52 

239.97 

263.26 

287.42 

22 

200.25 

222.7,2 

245-31 

269.09 

293-74 

23 

204.75 

227-34 

250.76 

275-04 

300.21 

24 

209.3'. 

232-44 

256.35 

281.13 

306.83 

25 

214.08 

237(n 

262.06 

287-36 

313-58 

26 

218.90 

242.97 

267.89 

293-71 

320.48 

27 

22^A^ 

248.39 

273-84 

300.20 

327-50 

28 

228.86 

253-93 

279-90 

306.80 

334-66 

29 

233.98 

259-58 

286.08 

313-51 

341-93 

30 

239.20 

265.32 

292.36 

320.35 

349-34 

31 

244-51 

271.16 

298-75 

327.30 

356-86 

32 

249.91 

277.10 

305-24 

334-35 

364.48 

33 

255-39 

283.12 

311-81 

341.48 

372.18 

34 

260.95 

289.23 

318.46 

348.70 

379-99 

35 

266.59 

29S-41 

325.20 

356.00 

387-87 

36 

272.28 

301.65 

331.99 

363-36 

395-82 

37 

278.03 

307-95 

338.85 

370-79 

40383 

38 

283-84 

314-29 

345.75 

378-26 

411.88 

39 

289.69 

320.68 

352.69 

385-76 

419-96 

40 

295-58 

327.12 

359.66 

393-29 

428.06 

41 

301.49 

333-56 

366.65 

400.82 

436.14 

42 

307-43 

340.02 

373-C^3 

408.34 

444-24 

43 

313-38 

346.47 

380.59 

415-84 

452.29 

44 

3 19-3 1 

352-89 

387.54 

423-31 

460.29 

45 

325.22 

359-31 

394-45 

430-72 

468.24 

46 

33^-^3 

365-69 

401.30 

438.06 

476.09 

47 

33701 

372-02 

408.10 

445-33 

483.84 

48 

342.82 

378.28 

414.79 

452.47 

491.49 

49 

348.60 

384-47 

421.39 

459-53 

49900 

50 

354-32 

390.57 

427.91 

466.44 

506.34 

51 

359-94 

396.58 

434.29 

473-19 

513-50 

52 

3^^5-52 

402.49 

440.52 

479.78 

520.47 

53 

371.00 

408.27 

446.60 

486.18 

527-22 

54 

376-38 

413.92 

452.53 

492.39 

S33-75 

55 

381.68 

419.46 

458.30 

498.39 

540.02 

56 

386.88 

424.86 

463.88 

504.18 

546.05 

57 

391-99 

430. 1 1 

469.28 

509.74 

55^ -^2 

58 

397.00 

43524 

474.51 

515-08 

557-30 

59 

401.92 

440.23 

479-57 

520.19 

5C^2.4S, 

60 

406.78 

445-12 

484-45 

525-05 

567-39 

313 


3 

y2% 

SELECT  AND  ULTIMATE. 
MEAN   RESERVES. 

u 

^  Z  /yJ 

TWENTY 

PAYMENT 

LIFE. 

Qim 

Age 

16  Years. 

17  Years. 

18  Years. 

19  Years. 

20  Years. 

20 

305.80 

iZ^-V 

357-71 

385.14 

413.62 

21 

312.48 

338.47 

365-45 

393-44 

422.56 

22 

31932 

345-85 

373-36 

401.93 

431-58 

^^ 

7^^^^-Z  • 

353-38 

381.47 

410.61 

440.85 

24 

33346 

^61.09 

389-74 

419.47 

450.33 

25 

340.76 

368.95 

398.18 

428.51 

459.99 

26 

348.21 

376.96 

406.79 

AT^I-IZ 

4''9-85 

27 

355-79 

385.13 

415-55 

447-12 

479.88 

28 

36352 

393-44 

424-47 

456.66 

490.08 

29 

371.38 

401.90 

433-54 

466.37 

500.46 

30 

379-36 

410.48 

442.74 

476.22 

510.99 

3t 

387-46 

419-18 

452.08 

486.21 

521.67 

32 

395-68 

428.01 

461.54 

496.34 

532.50 

33 

403.98 

436.93 

471.11 

506.59 

54346 

34 

412.39 

445-96 

480.79 

516.94 

554-54 

35 

420.87 

455-07 

490.55 

527-40 

565-72 

36 

429.42 

464-25 

500.39 

537-93 

576.99 

37 

438-03 

473-49 

510.29 

548.52 

588.35 

38 

446.69 

482.77 

520.22 

559-18 

599-77 

39 

455-37 

492.07 

530.20 

569-87 

611.24 

40 

464.06 

501.40 

540.19 

580.58 

622.76 

41 

472-74 

510.71 

550.17 

591-31 

634-28 

42 

481.42 

520.00 

560.14 

602.0  T 

645.80 

43 

490.05 

529.26 

570.07 

612.67 

657-32 

44 

498.62 

538.44 

579.91 

623.29 

668.81 

45 

507-13 

547-55 

589-71 

633-85 

680.23 

46 

515-52 

556.56 

599.40 

644.29 

691.59 

47 

523-83 

565-46 

608.95 

654-63 

702.86 

48 

532.00 

574.19 

618.35 

664.83 

714.02 

49 

539-99 

582.76 

627.59 

674.87 

725-05 

50 

547-82 

591-14 

636.64 

684.73 

735-94 

51 

555-44 

599-31 

645-46 

694.38 

746.67 

52 

562.85 

607.23 

654.05 

703.82 

1'^7-^A: 

53 

570.00 

614.90 

662.37 

713.02 

767.61 

54 

576-91 

622.29 

670.43 

721.96 

177-7S 

55 

583-54 

629.40 

678.17 

730.58 

787.68 

56 

589-89 

636.18 

685.56 

738.91 

797-37 

57 

595-93 

642.60 

692.61 

746.92 

806.79 

58 

601.62 

648.69 

699.30 

754-55 

815.96 

59 

606.99 

654.38 

705-57 

761.83 

824.85 

60 

612.02 

659.68 

711.45 

768.73 

83346 

314 


3'/2% 


SELECT  AND  ULTIMATE. 

MEAN  RESERVES. 
FIFTEEN  PAYMENT  LIFE. 


Qim 


Age. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

'  ^.V) 

34-45 

50.21 

78.34 

1 0 1  .o(> 

21 

12.76 

35-25 

57-45 

80.07 

103.26 

22 

13.11 

36.08 

58.75 

81.84 

105-52 

23 

■347 

36.90 

60.06 

83-65 

107.84 

24 

13.S2 

37-75 

61.41 

85-51 

U0.23 

25 

14.20 

38.63 

62.80 

87-43 

112.68 

26 

14-59 

39-53 

64.23 

89-39 

115.18 

27 

14.96 

40.44 

65.68 

91-38 

117.74 

28 

15-35. 

41-37 

67.17 

93-45 

120.39 

29 

15-71 

42.30 

68.68 

95-53 

123.06 

30 

16.09 

43.26 

70.22 

97.67 

125.81 

31 

16.48 

44.24 

71.80 

99-86 

128.61 

32 

16.84 

45.22 

73-40 

102.07 

131.46 

33 

17.20 

46.20 

75.02 

104.34 

134-36 

34 

1756 

47.21 

76-67 

106.63 

137-32 

35 

17.92 

48.23 

78-34 

108.97 

140.33 

36 

18.28 

49.24 

80.02 

111-33 

143-37 

37 

18.61 

50.27 

81.75 

113-75 

146.48 

38 

18.90 

51.28 

83-47 

116.18 

149.61 

39 

19.22 

52.31 

85-19 

118.62 

152.76 

40 

19-47 

5330 

86.93 

121.08 

155-96 

41 

19.71 

54-29 

88.66 

123-55 

159.16 

42 

19.96 

55-31 

90.44 

126.06 

162.41 

43 

20.14 

56.27 

92.17 

128.56 

165.65 

44 

20.26 

57.22 

93-90 

1 3 1 .06 

168.91 

45 

20.41 

58.16 

95-64 

133-58 

172.17 

46 

20.45 

59.04 

97-33 

136-05 

17540 

47 

20.47 

59-91 

99.02 

138.52 

178.65 

48 

20.43 

60.74 

100.67 

140.97 

181.87 

49 

20.32 

61.51 

102.29 

143-39 

185.05 

50 

20.18 

62.25 

103.88 

145-79 

188.22 

51 

19-93 

62.91 

105.41 

148.13 

191-34 

52 

19.62 

^\3-54 

106.89 

150.43 

194.40 

53 

19.18 

64.06 

108.31 

152.66 

197.40 

54 

18.72 

^U-54 

1 09.66 

154.84 

200.34 

55 

18.12 

64.94 

110.97 

156.96 

203.20 

56 

17-43 

^\S-25 

112:l8 

159.00 

205.99 

57 

16.61 

^>5-45 

113-30 

160.95 

208.68 

58 

15.66 

65.57 

114.36 

162.82 

21T.28 

59 

14-5^ 

65-58 

115-31 

164.61 

213.78 

60 

i3-3« 

65.46 

116.15 

166.27 

216.16 

61 

12.04 

65.26 

116.93 

167.89 

218.48 

62 

10.54 

64.93 

117.59 

169.38 

220.67 

63 

9-13 

64.60 

118.14 

170.78 

222.74 

64 

9.88 

65-36 

118.63 

172.11 

224.75 

65 

10.69 

66.12 

119.00 

173-34 

226.64 

315 


y/2% 


SELECT  AND  ULTIMATE. 

MEAN  RESERVES. 
FIFTEEN  PAYMENT  LIFE. 


OCM] 


Age. 

6  Years. 

20 

124.42 

21 

127.11 

22 

129.89 

23 

132.72 

24 

135-64 

25 

138.63 

26 

141.70 

27 

144.84 

28 

148.06 

29 

151-35 

30 

154-71 

31 

158.13 

32 

161.63 

33 

16S.18 

34 

168.80 

35 

172.49 

36 

176.21 

37 

180.01 

38 

183.85 

39 

187.72 

40 

191.64 

41 

195.57 

42 

199-57 

43 

203-55 

44 

207.54 

45 

211.54 

46 

215-53 

47 

219-53 

48 

223.49 

49 

227.42 

50 

231.32 

51 

235-17 

52 

238.97 

53 

242.68 

54 

246.32 

55 

249.88 

5^> 

253.35 

57 

256.69 

58 

259.93 

59 

263.09 

60 

266.07 

61 

268.96 

62 

271.72 

63 

274-35 

64 

276.88 

65 

279.24 

7  Years.  8  Years.  9  Years.  10  Years. 

148.47      173.25      198.79  225.15 

151.66      176.97  203.05  229.95 

154.96      180.78  207.41  234.89 

158.32      184.70  211.89  239.94 

161.79      188.72  216.49  245.14 

165.34      192.86  221.23  250.47 

168.98      197-09  226.05  255.92 

172.71      201.42  230.99  261.49 

176.54      205.86  236.06  267.20 

180.44      210.37  241.20  273.01 

184.43      215.01  246.50  278.96 

188.49      219.72  251.89  285.04 

192.63  ■    224.52  257.36  291.20 

196.84      229.41  262.94  297.50 

201.14  234.39  268.61  303.88 

205.51  239.45  274.39  310.37 

209.94  244.59  280.23  316.95 

214.43  249.80  286.16  323.61 

218.97  255.05  292.15  330.35 

223.56  260.37  298.20  337.15 

228.20  265.73  304.31  344.0I 
232.86  271.13  310.45  350.92 
237-59  276.59  316.65  357.87 
242.32  282.05  322.85  364.84 
247.05  287.52  32907  371-82 
251-79  293.01  335.30  378.79 
256.53  298.48  341.50  385.74 

261.24  303-92  347.68  392.68 
265.94  309.34  353.82  399.55 
270.60  314.71  359.91  406.36 

275.21  320.03  365.92  413-09 
279.76  325.27  371.84  419.70 
284.26  330.44  377-68  426.21 
288.65  335.48  383.37  432.58 
292.96  340.43  388.95  438.79 
297.16  345.25  394.37  444.81 

301.25  349-93  399.62  450.65 
305.21  354.46  404.69  456.27 
309.03  35^-^^  40957  46T.66 
312.73  362.98  414.21  466.79 
316.24  366.97  418.63  471.64 
319.62  370.78  422.82  476.23 
322.84  374.38  426.77  480.52 
325.91  377-77  430.44  484.49 
328.82  380.99  433-91  488.16 
331-55  38399  437-07  491-49 


3i6 


3'/2% 


SELECT  AND  ULTIMATE. 

MEAN  RESERVES. 
FIFTEEN  PAYMENT  LIFE. 


OEM] 


Age 

II  Years. 

12  Years. 

20 

252.40 

280.67 

21 

25777 

286.63 

2.2 

263.29 

292.75 

23 

268.94 

299.02 

24 

27475 

305-46 

25 

280.70 

312.05 

26 

286.78 

31879 

27 

293.01 

325-70 

28 

299.39 

332-76 

29 

305.88 

339-95 

30 

312.52 

347-31 

31 

319.29 

354-80 

32 

326.17 

362.42 

7.}^ 

33319 

370.19 

34 

340.31 

378.07 

35 

347-54 

386.07 

36 

354-87 

394.18 

37 

362.29 

402.39 

38 

369.80 

410.69 

39 

377-37 

419.08 

40 

385-01 

427-52 

41 

392.70 

436.03 

42 

400.43 

444-58 

43 

408.19 

453-16 

44 

415-95 

461.74 

45 

423.70 

470.32 

46 

431-43 

478.89 

47 

439-14 

487.41 

48 

446.77 

495-87 

49 

454-34 

504-25 

50 

461.82 

512.53 

SI 

469.16 

520.70 

52 

476.40 

528.74 

53 

483.48 

536.58 

54 

490.36 

544-24 

55 

497-05 

551-70 

56 

50353 

558.91 

57 

509-74 

565-85 

58 

515-69 

572.50 

59 

521.37 

578.85 

60 

526.73 

584-88 

61 

531-79 

590.55 

62 

536.49 

595-82 

63 

540.81 

600.69 

64 

544-78 

60s. 16 

65 

548.35 

.  60^.16  - 

13  Years  14  Years.  15  Years. 

310.04  340.57  372.31 
316.61  347-77  380.16 
323-35  -355-16  388.21 

330.27  362.73  396.48 
337-35  370.50  404-95 

344.61  378.45  413-62 

352.05  386.59  422.50 
359-64  394-92  431-58 

367.42  403.43  440.85 

375.34  412.11  450.33 

383.43  420.97  459-99 
391.68  430.00  469.85 
400.07  439-20  479.88 

408.62  448.55  490.08 
417.29  458.05  500.46 
426.09  467-70  510.99 
435.02  477-48  521.57 
444.05  487.38  532.50 
453-19  497-40  543-46 

462.42  507-52  554-54 

471.72  517.74  565-72 

481.09  528.03  576.99 
490.51  538.37  588.35 
499-95  548.76  599-77 

509.43  559-^9  611.24 
518.90  569.63  622.76 

528.35  580.07  634.28 
537-78  590.48  645.80 
547.14  600.83  657.32 
556.41  61 1. 1 5  668.81 

565.62  621.39  680.23 

574.70  631.50  691.59 

583.63  641.50  702.86 
592.38  651.34  714.02 
600.96  66t.ot  72505 
609.32  670.49  735-94 

617.43  679.75  746.67 

625.28  C^?!^.'j(S  757.24 
632.84  697.54  767-61 

640.10  706.01  177 -JS 
647.02  714.16  787.68 
65355  721.Q8  7()7.Z7 

659.71  729.45  806.79 

665.44  77^^-1^  815.96 

670.73  743-20  824.85 
67556  749-45  833.46 


317 


3'/2% 


OCM] 


SELECT  AND   ULTIMATE. 

MEAN   RESERVES. 

TEN  PAYMENT  LIFE. 


Age. 

I  Year. 

2  Years. 

20 

21.89 

53-45 

21 

22.44 

54-59 

22 

22.97 

55-77 

23 

23.51 

56.95 

24 

24.06 

58.20 

25 

24.64 

59-46 

26 

25-23 

60.76 

27 

25.81 

62.08 

28 

26.41 

63-44 

29 

27.01 

64.81 

30 

27.61 

66.22 

31 

28.26 

67-67 

32 

28.86 

69.13 

33 

29.47 

70.60 

34 

30.10 

72.12 

35 

30.74 

73-66 

36 

31-35 

75.20 

37 

31.96 

76.75 

38 

32.55 

78.31 

39 

33-16 

79.91 

40 

33-75 

81.50 

41 

34.30 

83-09 

42 

34.85 

84.69 

43 

35.38 

86.26 

44 

35-85 

87-85 

45 

36.32 

89.40 

46 

36.76 

90.95 

47 

37-13 

92.46 

48 

37.46 

93-95 

49 

37-75 

95-38 

50 

37-97 

96.77 

51 

38.13 

98.12 

52 

38.20 

99.38 

53 

38.19 

100.59 

54 

38.10 

101.70 

55 

37-92 

102.75 

56 

37-63 

103.68 

57 

37-23 

104.49 

58 

36.69 

105.20 

59 

36.00 

105.75 

60 

35-21 

106.20 

61 

34.24 

106.47 

62 

33-12 

106.58 

63 

31-77 

106.48 

64 

30.28 

106.03 

65 

28.56 

105-75 

3  Years  4  Years.         5  Years. 

85. oS  1 17.5 1  150.96 

86.86  119.96  154.07 

88.69  122.45  157.26 

90.56  125.02  ir>o.54 

92.48  127.66  163.92 
94.46  130.36  167.38 

96.49  133-14  170.94 

98.57  136.00  174.59 
100.70  138.93  178.34 
102.87  141.92  182.17 
105. 1 1  144.99  186.10 
107.38  148.13  190.12 
109.70  151.32  19421 
112.07  154.59  198.40 
114.48  157.91  202.67 

116.93  161. 3 1  207.03 
119.41  164.75  211.45 

121.94  168.25  215.95 

124.48  171.80  220.53 
127.06  175.41  225.17 
129.68  17905  229.87 
132.31  182.73  234.62 

134.97  186.45  239.42 
137.61  190.18  244.25 
140.27  193.92  249.10 
142.93  197.71  254.01 
145.59  201.47  258.90 
148.23  205.24  263.82 

150.85  209.00  268.72 

153.43  212.72  273.59 

155.98  216.42  278.44 

158.49  220.07  283.25 
160.91  223.66  287.99 
163.29  227.18  292.67 
165.57  230.62  297.26 
167.79  233.97  301.73 
169.89  237.21  306.12 

171.86  240.31  310.34 
173-74  243.29  314.40 

175.44  246.09  318.28 

177.02  248.75  :^22.02 

178.43  251.22  325.^1 

179.66  253.50  328.80 

180.68  255.54  331.81 

181.5I  257.35 


334 


33 


182.11      258.90      33702 


3i8 


3'/2% 


SELECT   AND   ULTIMATE. 

MEAN  RESERVES. 

TEN  PAYMENT  LIFE. 


Age. 

6  Years. 

7  Years. 

20 

1^^5-51 

221.23 

21 

189.31 

225.74 

22 

193.22 

230.39 

23 

197.23 

235-17 

24 

201.37 

240.08 

^1 

205.61 

245-14 

26 

209.97 

250.32 

27 

214-45 

255-65 

28 

219.03 

261.10 

29 

223.73 

266.69 

30 

228.54 

272.42 

31 

233-46 

278.28 

32 

238.50 

284.26 

33 

243-63 

290.37 

34 

248.87 

296.61 

35 

254.21 

302.98 

36 

259.64 

309-45 

37 

265.18 

316.04 

38 

270.80 

322.74 

39 

276.50 

329-54 

40 

282.28 

336.42 

41 

288.12 

343-40 

42 

294.04 

350.47 

43 

300.00 

357-58 

44 

305-98 

364-75 

45 

312.04 

371-99 

46 

318.09 

379-25 

47 

324.17 

386.51 

48 

330.24 

393-81 

49 

336.30 

401.09 

50 

342.31 

408.33 

51 

348.31 

415-56 

52 

354.23 

422.72 

S3 

360.  TO 

429.81 

54 

365.85 

436.80 

55 

371-49 

443-66 

56 

377-03 

450.41 

57 

382.38 

456.99 

58 

387-57 

463.37 

59 

392.58 

469.57 

60 

397-39 

475-53 

6r 

40T.94 

481.24 

62 

406.26 

486/,r; 

63 

410.28 

491.81 

64 

413-98 

496.61 

65 

417-36 

501.02 

8  Years.  9  Years.  10  Years. 

258.18  296.44  336.OV; 

263.45  302.48  342.92 

268.85  308.68  349-95 

274.42  315.07  357-19 

280.14  321.63  364-63 

286.04  328.39  372.28 

292.07  335.31  380.12 

298.27  342.42  388.18 

304.64  349-72  396.44 

31 1. 14  357.18  404.91 

317.82  364.84  413-58 

324.64  yj^.^l  422A7 

331.62  380.68  431-54 

338.74  388.85  440.81 

346.02  397-20  450.29 

353.44  405.71  459.95 

360.99  414-39  469.81 

368.68  423.22  479.83 
376.49  432.20  490.04 
384.42  441.32  500.41 
392.47  450.58  510.94 
400.62  459.96  521.63 
408.87  469.46  532.46 
417.20  47906  543.41 
425.59  488.75  554.49 
434.07  498.54  56567 
442.58  508.38  576.94 
451.12  518.28  588.30 

459.69  528.21  599-72 
468.26  538.17  611.20 

476.81  548.12  622.yo 
485-35  558.07  634.22 
493-82  567-99  645.74 
502.23  577-85  6^7.28 
510.55  587.64  668.74 

518.74  507-33  680.16 

526.82  606.92  69T.52 

534.75  616.38  702.79 
542.47  625.67  713.95 
549.99  634.76  724.98 
557.29  643.66  yy^.^y 
564-33  652.32  74f..6() 

571.10  660.74  y'^y.\y 

577-53  668.85  767.  "^T 

583.64  676.67  777.66 

589.38  684.16  787.59 


319 


3'/2% 


SELECT   AND    ULTIMATE. 

MEAN    RESERVES. 

TWENTY  YEAR  ENDOWMENT 


OtM] 


Age.  I  Year.    2  Years.  3  Years    4  Years.    5  Years. 

20  26.94  63.54  100.43  138.34  177-50 

21  26.89  63.51  100.42  138-35  177-52 

22  26.82  63.47  100.41  138-37  177-54 
27,  26.74  63.44  100.40  138-36  177-55 

24  26.66  63.39  100.39  138-38  177-56 

25  26.57  63.33  100-36  138-37  177-58 

26  26.49  63.29  100.35  138-39  177-63 

27  26.39  63.24  100.31  138.37  177-64 

28  26.28  63.20  100.32  138-40  177-67 

29  26.15  63.09  100.29  138-41  177.68 

30  26.02  63.05  100.28  138-43  177-74 

31  25.86  62.95  100.24  138-43  ^77-7^ 

32  25.70  62.86  100.20  138-43  177-80 

33  25.55  62.77  100.17  138.44  177-82 

34  25.36  62.68  100.14  138-50  177-92 

35  25.15     '  62.56  100.09  138-48  177-95 

36  24.92  62.43  100.05  138-51  178.01 

37  24.68  62.31  100.02  138-55  178.09 

38  24.39  62.14  99.96  138.58  178.16 

39  24.11  62.01  99.95  138.61  178-23 

40  23.81  61.88  99.91  138.66  178-34 

41  23.44  61.66  99.84  138.71  178-47 
42 

43 

44  22.21 


23.10  61.50  99.81  138-75  178-59 

22.67  61.26  99.74  138-83  178.73 

61.03  99-65  138-83  178-82 

45  21.74  60.79  99-6 1  138-96  179.02 

46  21.20  60.51  99.55  139-05  179-24 

47  20.61  60.20  99-46  1 39- 1 5  179-46 

48  20.04  59-94  99-43  1 39-29  i79-70 

49  19-34  5956  99-35  139-44  179-99 

50  18.61  59.23  99.31  139.59  180.31 

51  17.81  58.82  99.25  139-81  180.69 

52  16.90  58.34  99.18  140.02  181. 10 

53  16.05  57-98  99.14  140-27  181.57 

54  15-09  57-56  99.13  140.59  182.11 

55  13-94  57-00  99.13  140.93  182.70 

56  12.87  56.58  99-14  141.33  183.38 

57  11.65  56.06  99.19  141.83  184.20 

58  10.32  55-50  99.27  142.37  185.07 

59  8.90  54.91  99.36  143.01  186.10 

60  7.42  54.34  99.53  143-74  187.25 


320 


3'/2% 


QIM] 


SELECT   AND   ULTIMATE. 

MEAN    RESERVES. 

TWENTY  YEAR  ENDOWMENT 


Age.  6  Years.  7  Years. 

20  218.00  259.92 

21  218.03  259.95 

22  218.05  259.96 

23  218.07  259.98 

24  218.08  260.01 

25  218.10  260.02 

26  218.16  260.08 

27  218.19  260.09 

28  218.22  260.13 

29  218.25  260.16 

30  218.31  260.22 

31  218.35  260.26 

32  218.39  260.29 

33  218.43  260.35 

34  218.53  260.44 

35  218.59  260.48 

36  218.66  260.57 

37  218.76  260.67 

38  218.85  260.74 

39  218.95  260.84 

40  219.08  260.99 

41  219.22  261.14 

42  ^219.40  261.28 

43  219.56  261.47 

44  219.74  261.66 

45  219.96  261.86 

46  220.24  262.15 

47  220.51  262.43 

48  220.82  262.77 

49  221.18  263.12 

50  221.58  263.53 

51  222.05  264.01 

52  222.57  264.56 

53  223.17  265.18 

54  223.84  265.89 

55  224.58  266.68 

56  225.43  267.59 

57  226.42  268.64 

58  227.52  269.83 

59  228.78  271.17 
Tk)  230.  t  9  272.71 


8  Years. 

9  Years. 

10  Years. 

30336 

348.39 

395-09 

303-38 

348.39 

395-08 

303-39 

348.40 

395-07 

30339 

348.39 

395-06 

303-41 

348.38 

395-04 

303-41 

348.38 

395-02 

303-47 

348.40 

394-99 

303-46 

348.40 

394.98 

303-50 

348.41 

394-95 

303-52 

348.41 

394-93 

303-56 

348.42 

394-91 

303-57 

348.40 

394-86 

303.61 

348.43 

394-85 

303-64 

348.43 

394.81 

303-72 

348.47 

394-79 

303-76 

348.48 

394-76 

303-81 

348.49 

394.72 

303-88 

348.52 

394.68 

303-95 

348.56 

394.66 

304-02 

348.57 

394-61 

304-15 

348.63 

394-59 

304.26 

348.68 

394-56 

304-37 

348.74 

394-54 

304-53 

348.84 

394-53 

304.66 

348.88 

394-48 

304-83 

349-01 

394.48 

305-07 

349-14 

394-50 

305-29 

349.27 

394-50 

305-60 

349-48 

394-56 

30590 

349-68 

394-61 

306.27 

349-94 

394-69 

306.70 

350.24 

394-82 

307.19 

350.62 

395-00 

307-74 

35^-03 

395-21 

308.4  T 

351-55 

395-51 

309.15 

352-15 

395-86 

310.01 

3S2.^4 

396.31 

3 1 1 .00 

3S3,-C^^ 

396.88 

312.T5 

354-66 

307-57 

3^3-41 

355-77 

398.39 

3M-96 

357-11 

399-41 

32] 


3'/2% 


SELECT  AND  ULTIMATE. 

MEAN  RESERVES. 

TWENTY  YEAR  ENDOWMENT 


QlMi 


Age. 

II  Years 

12  Years. 

13  Years. 

20 

443-61 

494.12 

546.70 

21 

443-59 

494-07 

546.64 

22 

443-55 

494.01 

546.57 

23 

443-52 

493-96 

546.50 

24 

443-48 

493.90 

546.40 

25 

443-43 

493-82 

546.30 

26 

443-39 

493-76 

546.21 

27 

443-34 

493-67 

546.10 

28 

44329 

493-58 

545-97 

29 

443-23 

493-48 

545-84 

30 

443-17 

493-38 

545-70 

31 

443-09 

493-27 

545-55 

32 

443.01 

493-13 

545-37 

33 

442.93 

493-00 

545-18 

34 

442.87 

492.87 

544-99 

^1 

"^il 

492.71 

544-77 

.36 

442.66 

492.55 

544-54 

37 

442.55 

492.36 

544-29 

38 

442.46 

492.18 

544-02 

39 

442.33 

491.96 

543-71 

40 

442.21 

491-74 

543-40 

41 

442.09 

491-52 

543-07 

42 

441.96 

491.27 

542.69 

43 

441.82 

490.99 

542.29 

44 

441.66 

490.70 

541.86 

45 

441.51 

490.40 

541.41 

46 

441.37 

490.10 

540.94 

47 

441.22 

489-77 

540.42 

48 

441.09 

489-43 

539-90 

49 

440.95 

489.08 

539-33 

50 

440.82 

488.73 

538.73 

51 

440.73 

488.37 

538.11 

52 

440.65 

488.03 

537-48 

53 

440.60 

487.68 

536.82 

54 

440.61 

487.36 

536.17 

55 

440.65 

487-05 

535-50 

56 

440.79 

486.80 

534-84 

57 

441.00 

486.61 

534-22 

58 

441-31 

486.48 

533-61 

59 

441.73 

486.43 

533-05 

60 

442.32 

486.50 

532.57 

14  Years.     15  Years. 

601.49  658.59 

601.41  658.49 
601.32  658.39 
601.23  658.28 

601. 11  658.15 
600.99  658.02 
600.88  657.88 
600.74  657.72 
600.58  657.55 

600.42  657.35 

600.25  657.16 
600.05  656.93 
599-83  656.86 
599.60  656.41 

599.36  656.13 

599.08  655.81 
598.79  655.47 
598.46  655.08 

598.12  654.69 
597-74  654.24 
597-34  653.76 
596.90  653.25 

596.43  652.69 
595-91  652.08 
595-35  651.41 
594.76  650.71 
594.12  649.94 
593-44  649.12 
592.73  648.25 
591-95  647.29 
591.12  646.27 

590.26  645.19 
589-35  644.05 
588.39  642.82 
587.41  641.54 

586.37  640.18 

585.32  C\:^S.-7 

584.26  637.^0 

583.17  Gy^.yy 

582.09  634.20 
581.05  632.61 


322 


3'/2% 


SELECT  AND  ULTIMATE. 
MEAN  RESERVES. 
TWENTY  YEAR  ENDOWMENT 
OCM] 


Age. 

16  Years. 

17  Years. 

18  Years. 

19  Years. 

20  Years. 

20 

718.10 

7^0.17 

844.92 

912.51 

983.09 

21 

718.00 

780.07 

844-84 

912.46 

983.09 

22 

717.89 

779.96 

844-75 

912.40 

983.09 

23 

7^7-77 

779-85 

844-65 

912.34 

983-09 

24 

717.04 

779.72 

844.54 

912.27 

983.09 

25 

717-50 

779-58 

844.42 

912.19 

983-09 

26 

717-35 

779-43 

844.30 

912.12 

983-09 

27 

717.18 

779.27 

844.16 

912.03 

983.09 

28 

716.99 

779.09 

844.00 

911-93 

983.09 

29 

716.78 

778.88 

843-83 

911.82 

983-09 

30 

716.58 

778.68 

843-65' 

911.71 

983.09 

31 

716.33 

778.44 

843-45 

911-59 

983-09 

32 

716.07 

778.18 

843-23 

911-45 

983-09 

2,2> 

715-77 

777.89 

842.98 

911.29 

983.09 

34 

715-48 

777.60 

842.73 

911.12 

983.09 

35 

715-13 

777.26 

842.44 

910.95 

983.09 

36 

714.76 

776.90 

842.13 

910.74 

983.09 

37 

71435 

776.49 

841.78 

910.53 

983-09 

38 

713-92 

776.06 

841.41 

910.29 

983.09 

39 

713-44 

775.59 

841.00 

910.03 

983-09 

40 

712.92 

775-08 

840.56 

909-75 

983.09 

41 

712.36 

774.52 

840.08 

909.44 

983.09 

42 

711-75 

773-91 

839-55 

909.10 

983-09 

43 

71!. 08 

773-25 

838.97 

908.73 

983-09 

44 

710.35 

772.52 

838.34 

908.32 

983-09 

45 

709-57 

771-74 

837-65 

907.88 

983-09 

46 

708.73 

770.89 

836.91 

907.41 

983-09 

47 

707.81 

769.96 

836.10 

906.88 

983.09 

48 

706.84 

768.97 

835-22 

906.30 

983-09 

49 

705-77 

767.88 

834.26 

905.68 

983.09 

50 

704.62 

766.71 

833-22 

904.99 

983.09 

51 

70339 

765-44 

832.09 

904.25 

983.09 

52 

702.08 

764.08 

830.86 

903.44 

983.09 

53 

700.66 

762.61 

829.54 

902.55 

983-09 

54 

699.17 

761.04 

828.10 

901.59 

983.09 

55 

^^7-57 

759-33 

826.54 

900.54 

983.09 

5^' 

695.88 

757-53 

824.87 

899.40 

983.09 

57 

69409 

755-60 

823.07 

898.17 

983.09 

58 

692.21 

753-54 

821.13 

896.82 

983.09 

59 

690.24 

751.35 

819.0S 

895.37 

983.09 

60 

688.20 

749-05 

816.82 

893-79 

983.09 

323 


y/2% 


SELECT   AND    ULTIMATE. 

MEAN    RESERVES. 

FIFTEEN  YEAR  ENDOWMENT. 

0[M] 


Age. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

20 

4345 

96-55 

150.62 

206.41 

21 

4340 

96.49 

150.56 

206.36 

22 

43-32 

96.44 

150.53 

206.34 

23 

43-24 

96-37 

150.46 

206.26 

24 

43-14 

96.28 

150.38 

206.21 

25 

43-07 

96.22 

150.33 

206.17 

26 

42.96 

96.16 

150.29 

206.12 

27 

42.83 

96.04 

150.17 

206.01 

28 

42.72 

95-97 

150.13 

205.97 

29 

42.59 

95-84 

150.02 

205.88 

30 

4243 

95-73 

149.94 

205.79 

31 

42.26 

95.62 

149-83 

205.69 

32 

42.08 

95-45 

149.70 

205.57 

33 

41.89 

95-30 

149-58 

205.46 

34 

41.67 

95-15 

149-45 

205.34 

^1 

41.46 

94-95 

149.29 

205.21 

36 

41-23 

94-77 

149.12 

205.05 

37 

40.96 

94-59 

148.99 

204.93 

38 

40.67 

94-35 

148.79 

204.77 

39 

40.32 

94.09 

148.57 

204.54 

40 

39-95 

93-78 

148.32 

204.33 

41 

39-56 

93-49 

148.08 

204.09 

42 

39.18 

93-18 

147-82 

203.87 

43 

38.71 

92.83 

147-54 

203.61 

44 

38.18 

92.42 

147.18 

203.31 

45 

37-68 

92.02 

146.86 

203.02 

46 

37-04 

91.52 

146.48 

202.68 

47 

36.41 

91.04 

146.08 

202.30 

48 

35-70 

90.50 

145-64 

201.94 

49 

34-91 

89.88 

145-15 

201.50 

50 

34-IO 

89.26 

144-65 

201.06 

51 

33-18 

88.56 

144-09 

200.57 

52 

32.22 

87.84 

143-51 

200.06 

53 

31.10 

?$-92 

142.86 

199.49 

54 

30.01 

86.18 

142.19 

198.93 

55 

28.77 

85-25 

141-47 

198.30 

56 

27.40 

84.23 

140.69 

197-63 

57 

25-97 

83-17 

139.88 

196.97 

58 

24.38 

82.02 

139.00 

196.22 

59 

22.72 

80.81 

138.10 

195-50 

60 

20.90 

79-50 

137.12 

194.69 

5  Years. 

264.19, 
264.16 
264.12 
264.05 
263.99 
263.96 
263.89 
263.80 
263.74 
263.66 
263.56 
263.48 
263.34 
263.23 
263.10 
262.98 
262.82 
262.70 
262.54 
262.30 
262.10 
261.86 
261.64 
261.37 
261.09 
260.76 
260.42 
260.06 
25968 
259.25 
258.81 
258.33 
25784 
257.28 
256.72 
256.11 
255-44 
254.80 
254.08 

253-41 
252.63 


324 


3'/2% 


SELECT   AND   ULTIMATE. 

MEAN    RESERVES. 

FIFTEEN  YEAR  ENDOWMENT. 

Age.  6  Years.  7  Years.  8  Years.  9  Years.  10  Years. 

20  324-11  386.30  450-87  517-98  587-76 

21  324.07  386.23  450-80  517-88  587-66 

22  324.03  386.18  450.73  517-82  587-59 

23  323-96  386.12  450.65  517-73  587-50 

24  323.88  386.04  450-58  517-65  587-40 

25  323.84  385.96  450.49  517-55  587-30 

26  323.77  385.90  450.41  517-45  587-17 

27  323.68  385-78  450.29  517-32  587-03 

28  323.62  385.72  450.21  517-21  586.90 

29  323.52  385.61  450.06  51704  586.72 

30  323.43  385.50  449-94  516.90  586.56 

31  323.32  385.38  449-81  516.75  586.40 

32  323.18  385.22  449.62  516.55  586.17 

33  323-05  385-08  449-45  516.36  585-97 

34  322.91  384.92  449.26  516.14  58572 

35  322.78  384.76  449-08  515-91  58545 

36  322.61  384.57  448.85  515-65  585-17 

37  322.44  384-37  448.63  515-37  584-86 

38  322.27  384.16  448.36  515.07  584.52 

39  322.02  383-86  448.05  514-74  584-16 

40  321-81  383.61  447.73  514.37  58374 

41  321-55  38332  44740  513-97  58329 

42  321.29  383.02  447-04  513-55  S>^^-^^ 

43  321.02  382.70  446.64  513-09  582.30 

44  320.68  382.31  446.19  512.57  581.71 

45  320.33  381.92  445-73  512.03  581.10 

46  319-96  381-48  445-20  511-41  580.42 

47  319-55  381.00  444-64  510.76  579-69 

48  31913  380.50  444-05  510-07  57890 

49  318.65  379.95  443-39  509-29  578-oi 

50  3 '8. 16  379.37  442.70  508.47  577.og 

51  317.64  378.74  441-94  50759  57608 

52  317-09  37809  441-15  506.64  574-99 

53  316-47  377-35  440.27  505-59  573-79 

54  315-84  376-61  439-36  504-51  572.55 

55  315-18  375-83  438.40  503-34  571-17 

56  314-44  374-94  437-33  502.06  56().68 

57  313-72  374-o6  43623  500.72  568.11 

58  312.93  37312  43507  499.24  566.36 

59  312.18  372.16  43384  40778  56463 
ho  311-32  371-14  432-56  496-16  562.70 


325 


0] 

1  /  r^ 

SELECT  AND  ULTIMATE. 

.f 

/7% 

TERMINAL  RESERVES. 

u 

^Z  /U 

QIM] 

FIFTEEN 

YEAR  ENDOWMENT. 

Age 

II  Years. 

12  Years. 

13  Years. 

14  Years. 

15  Years. 

20 

660.39 

736.07 

814.97 

897-26 

983.09 

21 

660.31 

735-99 

814.91 

897.22 

983.09 

22 

660.22 

735-91 

814.83 

897.17 

983.09 

23 

660.12 

735-81 

814.75 

897.12 

983.09 

24 

660.01 

735-71 

814.67 

897.06 

983.09 

25 

659.90 

735.60 

814.57 

897.00 

983.09 

26 

659-78 

735-48 

814.47 

896.95 

983.09 

27 

659-63 

735-34 

814.36 

896.87 

983.09 

28 

659.49 

735-21 

814.24 

896.79 

983.09 

29 

65932 

735.04 

814.10 

896.71 

983.09 

30 

659-15 

734.88 

813.96 

896.62 

983-09 

31 

658.96 

734.68 

813.80 

896.52 

983.09 

32 

658-73 

734.47 

813.62 

896.41 

983-09 

33 

658.49 

734-24 

813.42 

896.28 

983.09 

34 

658.25 

734.00 

813.22 

896.16 

983.09 

35 

657-96 

73372 

812.98 

896.01 

983.09 

36 

657.67 

733-44 

812.75 

895-86 

983.09 

?>7 

657-34 

733-12 

812.47 

895-59 

983.09 

38 

656.98 

732.77 

812.17 

895-49 

983.09 

39 

656-59 

732-38 

811.84 

895.29 

983.09 

40 

656.15 

731-95 

81T.48 

895.07 

983.09 

41 

655.68 

731-50 

811.09 

894.81 

983.09 

42 

655-18 

731.00 

810.66 

894.55 

983.09 

43 

654.62 

730.45 

810.20 

894.25 

983.09 

44 

654.00 

729.86 

809.68 

893.92 

983.09 

45 

653-35 

729.21 

809.13 

893-57 

983.09 

46 

652.62 

728.50 

808.52 

893.18 

983.09 

47 

651.84 

727-73 

807.86 

892.76 

983.09 

48 

650.99 

726.88 

807.13 

892.30 

983.09 

49 

650.04 

725.96 

806.34 

891.79 

983.09 

50 

649-05 

724.97 

805.47 

891.24 

983.09 

51 

647-95 

723-87 

804.52 

890.63 

983.09 

52 

646.77 

722.70 

803.51 

889.98 

983.09 

53 

645-48 

721.41 

802.38 

889.25 

983.09 

54 

644-11 

720.03 

801.17 

888.46 

983.09 

55 

642.60 

718.52 

799.84 

887.60 

983.09 

56 

640.97 

716.87 

708.38 

886.6s 

983.09 

57 

639.22 

715.10 

706.82 

885.62 

983.09 

58 

637-33 

713.17 

795.10 

884.49 

983.09 

59 

.  635-33 

711. TI 

793.25 

883.26 

983.09 

60 

633-17 

708.87 

791.23 

881.92 

983.09 

61 

630.85 

706.46 

789.05 

880.46 

983.09 

62 

628.37 

703.87 

786.68 

878.8s 

983.09 

63 

625.76 

701. TO 

784.14 

877-12 

983.09 

64 

622.98 

698.13 

781.38 

875-22 

983.09 

65 

620.06 

694.97 

778.40 

873.16 

983.09 

326 


3'/29& 


0[M] 


SELECT   AND    ULTIMATE. 

MEAN    RESERVES. 
TEN  YEAR  ENDOWMENT. 


Age. 

I  Year. 

2  Years. 

3  Years. 

4  Years. 

5  Years. 

20 

77-32 

164.24 

253-53 

346.02 

442.04 

21 

77.28 

164.19 

25349 

345.98 

441.99 

22 

77.21 

164.14 

253-44 

345-93 

441.95 

23 

77.12 

164.04 

253.36 

345-85 

441.86 

24 

77.04 

163.98 

253-29 

345-79 

441.79 

25 

76.96 

163.89 

253-19 

345-68 

441.69 

26 

76.86 

163.82 

253-12 

345.59 

441.60 

27 

76.76 

163.71 

253-01 

345-49 

441.51 

28 

76.66 

163.62 

252.92 

345.40 

441.40 

29 

76.54 

163.49 

252.80 

345.28 

441.28 

30 

76.38 

163.39 

252.70 

345.17 

441.15 

31 

76.26 

163.24 

252.54 

345.02 

441.01 

32 

76.08 

163.08 

252.40 

344-86 

440.84 

33 

75.88 

162.91 

252.24 

344-70 

440.66 

34 

75-71 

162.76 

252.08 

344-52 

440.47 

35 

75-49 

162.54 

251.86 

344.32 

440.28 

36 

75.27 

162.34 

251.64 

344-10 

440.06 

37 

75.00 

162.08 

251.41 

343-85 

439-80 

38 

74-72 

161.82 

251.16 

343-60 

439.53 

39 

74.41 

161.52 

250.87 

343-31 

439.24 

40 

74.12 

161.25 

250.57 

343-01 

438.93 

41 

73-73 

160.92 

250.27 

342.68 

438.57 

42 

73-30 

160.55 

249.93 

342.31 

438.19 

43 

72.93 

160.15 

249.53 

341.93 

437-79 

44 

72.42 

159-72 

249-07 

341.45 

437.31 

45 

71.90 

159.21 

248.60 

340.99 

436.82 

46 

71.37 

158.74 

248.12 

340.47 

436.28 

47 

70.76 

158.17 

247-55 

339-89 

435.68 

48 

70.08 

157.55 

246.95 

339.2^ 

435.04 

49 

69-35 

156.86 

246.29 

338.61 

434-33 

50 

68.55 

156.13 

245.58 

337-^7 

433.56 

51 

67.70 

155.36 

244.80 

337-07 

432.73 

52 

66.76 

154.47 

243-94 

336.19 

431.81 

53 

65.72 

153.53 

243.01 

335.23 

430.82 

54 

64.63 

152.5^ 

242.01 

334.21 

429.75 

55 

6343 

151.41 

240.93 

333.  TO 

428.57 

5C> 

62.09 

150.20 

239.7s 

331.88 

427.29 

57 

60.68 

148.89 

238.45 

330.56 

425.92 

58 

59.10 

147.47 

237.08 

329-12 

424.40 

59 

57-41 

145.92 

235-56 

327-57 

422.79 

60 

55.61 

144.30 

233.96 

325-91 

421.04 

6r 

53-66 

142.51 

232.21 

324.10 

419.12 

62 

51-52 

140.57 

230.34 

322.17 

417.09 

63 

49-23 

138.50 

228.32 

320.10 

414.89 

^4 

46.76 

136.26 

226. 1  7, 

317-85 

412.50 

65 

44.07 

133-85 

223.79 

315-42 

409.92 

327 


^'4% 


QIM] 


Age. 

6  Years. 

JO 

541.83 

21 

541.78 

22 

541.72 

23 

541.62 

24 

541-56 

25 

541.47 

26 

541.39 

27 

541-29 

28 

541.17 

29 

541-05 

30 

540.91 

31 

540.76 

32 

540.61 

33 

540.41 

34 

540.23 

35 

540.03 

36 

539-79 

37 

539-54 

38 

539-27 

39 

538-97 

40 

538.65 

41 

538-29 

42 

537-90 

43 

537-49 

44 

537-00 

4| 

536.50 

46 

535.95 

47 

535-33 

48 

534-67 

49 

533-95 

50 

533-16 

51 

532-31 

52 

531.36 

53 

530.36 

54 

529-25 

55 

528.04 

56 

526.72 

57 

525-29 

58 

523-73 

|9 

522.05 

60 

520.24 

61 

518.24 

62 

516.12 

63 

513-81 

64 

S11.29 

65 

508.57 

SELECT  AND  ULTIMATE. 

MEAN  RESERVES. 
TEN  YEAR  ENDOWMENT. 


7  Years.  8  Years.  9  Years.  10  Years. 

645.59  7S3-S5  8O5.96  0S3.09 

645.54  753.51  865.94  983.09 
645.48  753.46  865.Q1  983.09 

645.40  753.39  865.86  983.09 
645.33  753.33  865.82  983.09 

645.24  753.25  865.77  083.09 
645.16  753.18  865.73  983-09 
645.06  753.^0  865.68  983.09 
644.94  753.00  865.62  983-09 

644.83  752.90  865.55  983.09 
644.71  752-80  865.49  983-09 
644.56  752.67  865.41  983.09 

644.41  752.54  865.33  983.09 
64423  752.39  865.23  983.09 
644.06  752.24  865.14  983.09 
643.86  752.08  865.03  983.09 
64363  75^.88  864.90  983.09 

643.39  751.68  864.77  983.09 
643.13  751-45  864.63  983.09 

642.84  751-20  864.47  983.09 
642.52  750.93  864.30  983.09 
642.18  750.64  864.11  983.09 
641.80  750.32  863.91  983.09 

641.41  749.98  863.69  983.09 

640.94  749.58  863.43  983.09 
640.45  749.17  863.17  983.09 
639.92  748.70  862.87  983.09 
639.33  ■  748.20  862.55  98309 
638.69  747.65  862.20  983.09 
637.99  747.03  861.80  983.09 
637.22  746.38  861.38  983.09 

636.40  74567  860.92  983.09 
635.48  744.88  860.41  983.09 
634.50  74402  859.86  983.09 

633.42  74309  859.25  983.09 

632.25  742.07  858.59  983.09 

630.95  740.95  857.86  983.09 

629.55  73972  857.06  983.09 


628.0: 


622.60 
620.  so 
618.19 


983.09 


626.36              736.93  855.24  98^09 

624.58              735.37  854.20  983.09 

73362  853.06  983.09 

731.76  851.81  983.09 

,      ^                72970  850.45  983.09 

615.67              727.45  848.95  983.09 

612.95              72502  847.32  983.09 


YD  05549 


